| 摘 要： | IntheUnitedStates,checkingaccountsareavailableonlyatcommercialbanks.Commercialbanksspecializeindemanddeposits,suchascheckingaccounts.Acheckingaccountismoneythatacustomerdepositsisordertousethatmoneytowritechecks.Savingsaccountspaythedepositorinterestbutcheckingaccountsdonot.Infact,checkingaccountcustomerspaythebankaservicechargeforthebookkeepinginvolvedinadministeringtheaccount.Themethodofrecordkeepingisalsodifferentinsavingsaccountsandcheckingaccounts.Adepositormustpresenthispassbookforanys…
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