银行英语：活期存折和储蓄存款

The savings¹ deposit is a method of deposit that sets no limits on maturity² date, time and amount of deposit or withdrawal³. According to the different methods of deposit or withdrawal, there are four types of savings deposits: current passbook⁴ deposit, current check deposit, time-demand optional deposit, debit⁵ card deposit and notice deposit, etc.
活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。

I. Definition定义

Current passbook deposit is defined as one that does not have definite term with the minimum amount of 1 RMB yuan in the account; that the depositors can make deposits or withdrawals⁶ at any time without subject to amount limits after you are issued a deposit passbook by the savings office.
活期存折储蓄存款是指不确定存期，起存金额为1元人民币，开户后由储蓄机构发给存折，凭存折存取款，存取金额不受限制的一种储蓄方式。

II. Service Features业务特点

Current passbook deposit is the most fundamental and conventional method of bank deposits. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the current passbook deposit is taken as the basis of clients’ financial asset managements.活期存折储蓄存款是银行最基本、常用的存款方式，客户可随时存取款，自由、灵活调动资金，是客户进行各项理财活动的基础。

 III. Functions功能

1.To apply for supportive electronic debit card with which you may handle such banking⁷ services as withdrawal and transfer on an ATM, and consumption at the specially⁸ engaged shops;申办与之配套的电子借记卡，可在ATM机上办理取款及转账等银行业务，可在特约商户购物消费；

2.To handle salary payment service on agency;办理代发薪服务；

3.To apply for telephone banking service;申请电话银行服务；

4.To make an automatic banking.通存通兑。

A client with a current passbook deposit account may handle the deposit or the withdrawal at any savings office with the passbook.
客户只要开立活期储蓄存款账户，便可以持存折在任一银行储蓄网点办理存取款业务。

IV. Procedures for Account Opening开户手续

1.A deposit passbook may be issued to you and a debit card may be applied⁹ for at the same time at any savings office after you fill out a deposit slip and deposit a certain amount of cash（1 RMB yuan at least）
在各银行任一分支机构填写存款凭条，存入一定数额现金（起存1元人民币），即可获得活期储蓄存折并可同时申请借记卡。

2.At the time of account opening, the client may choose the method of withdrawal by password or with a passbook. If the method of withdrawal by password is chosen, the client shall put on the spot a six-digit password into your savings account. The password is put in through the password processor on the counter and is unknown to any other person including the teller¹⁰. The password is the key with which you may make withdrawals and you must keep it in mind and not leak it to others.开户时可选择凭密码取款或凭存折取款方式，如选择凭密码取款方式，客户须当场选择一个6位数字输入作为该活期储蓄账户的密码，在柜台上的密码器上输入，包括银行经办人员在内的其他人都无法知道密码。密码相当于您取款的一把钥匙，必须牢记，不可泄露他人。