Do You Put Your Paycheck in the Bank?

Many people have two accounts in a bank: a savings account and a checking account. When people deposit money in a savings account, it earns interest. They can withdraw their savings any time, unless it is a special notice account. A special  notice  account earns higher interest, but you must give the bank 90 days notice before withdrawing money from it.

People use checking accounts for convenience. They deposit some money and write checks when they want to pay bills. This way they do not have to send cash through the mail. They do not have to carry a lot of cash with them, for they can write a check instead. At the end of the month, the bank returns the checks that they have written and have been cashed. The bank also sends a statement of all the checks used. That way people have a record of how much money they have spent that month.

Do you put your paycheck in the Bank?

许多人在银行有两个账户：一个使储蓄账户，另一个是支票账户。把钱存到储蓄账户上，可以得到利息，可以随时支取，特别通知存款账户除外。而特别通知存款账户利息较高，但必须在取款之前九十天通知银行。

支票账户使用方便，存入一些钱，就可以开支票付账单。这样就不需要通过邮局支付现金，也不需要随身携带大量现金，而是开支票付款。每到月底，银行会寄回你开出的支票和兑现的支票，以及所有用过的支票兑账单。这样，你就会得到该月花销的明细账。

你在银行有支票账户吗？