Types of Bank Accounts
Types of Bank Accounts
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savings account – a bank account designed to hold the money that one has saved and pay the owner a small percentage, so that the money can be used for special, important purchases in the future * If we buy that expensive new car, we’ll have to use most of the money in our savings account.
checking account – a bank account designed to hold a smaller amount of money that can be accessed many times each day to make small purchases with a debit card or with a check * Do we have enough money in our checking account to pay the phone bill this month?
CD – certificate of deposit; a bank account designed to hold a large amount of money for a certain period of time during which it will not be touched, and designed to pay the owner a percentage of that money * They have a lot of extra cash, but they’re too scared to invest in the stock market, so they’re going to open a CD instead.
interest-earning – describing an account that pays the owner a percentage of the amount of money in the account * I have an interest-earning account, but it pays less than one percent.
free checking – a checking account that the owner can have and use without paying the bank for it; a checking account with no monthly fees or check-printing fees * Free checking accounts are great, but you still have to pay fines if you write checks when you don’t have enough money in the bank.
service charge – an amount of money charged by a bank for a service, such as using an ATM or speaking with a bank employee * We couldn’t believe it when the bank started charging a $3 service fee each time we went in to do our transactions.
minimum balance – the minimum amount of money that one must keep in a bank account in order to keep it open and/or avoid a monthly charge * We offer a free savings account as long as you maintain a minimum balance of $600.
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