minimum balance

简明释义

支票户最低金额

英英释义

例句

1.I always check my account to ensure I have the required minimum balance.

我总是检查我的账户，以确保我有所需的最低余额。

2.The bank offers higher interest rates if you keep a minimum balance of $1,000.

如果您保持最低余额为1000美元，银行将提供更高的利率。

3.Some savings accounts require a minimum balance to be eligible for certain benefits.

某些储蓄账户要求保持最低余额才能享受特定福利。

4.If your account falls below the minimum balance, you may incur additional charges.

如果您的账户低于最低余额，您可能会产生额外费用。

5.To avoid monthly fees, you must maintain a minimum balance of $500 in your account.

为了避免每月费用，您必须在账户中保持最低余额为500美元。

作文

In today's financial world, understanding the concept of minimum balance is crucial for anyone who manages a bank account. A minimum balance refers to the least amount of money that must be maintained in an account to avoid fees or to receive certain benefits. Banks often set this requirement as a way to ensure that customers keep a sufficient amount of money in their accounts. For instance, if a bank requires a minimum balance of $1,000 in a savings account, customers must maintain this amount to avoid monthly maintenance fees. Not adhering to the minimum balance can lead to various consequences. If an account dips below this threshold, the bank may charge a fee, which can vary from institution to institution. This fee can accumulate over time, significantly impacting the account holder's finances. Additionally, failing to maintain the minimum balance might also result in a reduction of interest rates on savings accounts, which can further hinder a person's ability to grow their savings.Moreover, understanding the minimum balance requirement is essential for effective budgeting. Individuals need to plan their expenditures while keeping in mind the necessity to maintain this balance. For example, if someone has a minimum balance requirement and they withdraw too much money for daily expenses, they may inadvertently incur fees, leading to financial strain. It is vital to track one's spending and ensure that there is always enough money in the account to meet the minimum balance requirement.Different types of accounts have different minimum balance requirements. Checking accounts typically have a lower minimum balance compared to savings accounts. Some premium checking accounts may even offer higher interest rates or additional perks for maintaining a higher minimum balance. Therefore, it is important for individuals to choose the right type of account based on their financial habits and goals.In addition to personal finance, businesses also need to consider minimum balance requirements. Many business accounts come with specific minimum balance thresholds that must be met to avoid service charges. This is particularly important for small businesses that operate on tight budgets. By carefully managing their accounts and ensuring they meet the minimum balance, businesses can save money and allocate resources more effectively.In conclusion, the concept of minimum balance is a fundamental aspect of banking that impacts both individuals and businesses. By understanding what a minimum balance entails and how it affects account management, people can make informed decisions about their finances. Maintaining the required minimum balance not only helps avoid unnecessary fees but also contributes to better financial health overall. As we navigate our financial journeys, being aware of such terms and their implications will empower us to manage our money more wisely.

在当今的金融世界中，理解“minimum balance”这一概念对任何管理银行账户的人来说都是至关重要的。“minimum balance”指的是必须在账户中保持的最低金额，以避免费用或获得某些福利。银行通常设定这一要求，以确保客户在其账户中保持足够的资金。例如，如果一家银行要求储蓄账户的“minimum balance”为1000美元，那么客户必须保持此金额，以避免每月的维护费用。不遵守“minimum balance”可能会导致各种后果。如果账户低于此阈值，银行可能会收取费用，而这一费用在不同机构之间可能有所不同。这笔费用可能随着时间的推移而累积，显著影响账户持有人的财务状况。此外，未能维持“minimum balance”还可能导致储蓄账户利率的降低，这进一步阻碍了个人增加储蓄的能力。此外，理解“minimum balance”要求对于有效的预算管理至关重要。个人需要在支出计划中考虑维持这一余额的必要性。例如，如果某人有一个“minimum balance”要求，并且他们为日常开支提取了过多资金，他们可能会不经意间产生费用，从而导致财务压力。因此，跟踪自己的支出并确保账户中始终有足够的资金以满足“minimum balance”要求是至关重要的。不同类型的账户有不同的“minimum balance”要求。支票账户的“minimum balance”要求通常低于储蓄账户。一些高级支票账户可能还会为维持更高的“minimum balance”提供更高的利率或额外的好处。因此，个人根据自己的财务习惯和目标选择合适的账户类型是很重要的。除了个人财务，企业也需要考虑“minimum balance”要求。许多商业账户都有特定的“minimum balance”阈值，必须满足以避免服务费用。这对经营紧张预算的小型企业尤其重要。通过仔细管理他们的账户并确保满足“minimum balance”，企业可以节省资金，更有效地分配资源。总之，“minimum balance”的概念是银行业务中的一个基本方面，影响着个人和企业。通过理解“minimum balance”的含义及其对账户管理的影响，人们可以对自己的财务做出明智的决策。维持所需的“minimum balance”不仅有助于避免不必要的费用，还有助于整体财务健康。随着我们在财务旅程中的前行，了解这些术语及其影响将使我们能够更明智地管理我们的资金。