Deposit accounts，together with savings accounts， represent the simplest form of bank account. The customer deposits funds and withdraws them as required. No chequebook is issued on this type of account. Therefore， the formalities of opening an account are simple， Often there is no need for a reference， the customer's name， address and occupation， together with a specimen signature and an initial deposit being all that are needed.

存款賬戶(hù)，和儲(chǔ)蓄賬戶(hù)一起，是銀行賬戶(hù)的基本形式，客戶(hù)按規(guī)定存、取款。此種類(lèi)型的賬戶(hù)不能開(kāi)支票，所以，開(kāi)戶(hù)的手續(xù)很簡(jiǎn)單。一般無(wú)需證明人，只需客戶(hù)的姓名、住址、職業(yè)，連同簽字樣本和開(kāi)戶(hù)金額即可。

Payments into a deposit account， which can consist of cash， cheques， postal orders and so on，may be made at the branch where the account is maintained or at any other branch of the bank. Funds may be withdrawn to the amount of the credit balance on the account normally only at the branch where it is maintained， although some banks do permit limited withdrawals at other branches. Withdrawals are subject to the required period of notice — often seven days. But in practice， prior notice is not always insisted upon， provided that the amounts required are not too large.

客戶(hù)可以用現(xiàn)金、支票、郵局匯款單等，在開(kāi)戶(hù)行或任何其他營(yíng)業(yè)網(wǎng)點(diǎn)，向其存款賬戶(hù)上存款?？蛻?hù)一般只能從開(kāi)戶(hù)行有貸方余額的賬戶(hù)上取款，雖然有的銀行確實(shí)允許在其他營(yíng)業(yè)網(wǎng)點(diǎn)限額取款。取款需事先通知，一般要提前七天。但在實(shí)際操作中，只要提取的金額不大，并不一定非要提前通知。

No overdrafts are permitted and a customer may generally not draw a cheque on a deposit account. When a deposit account customer has a large bill to pay and does not wish to carry cash， the bank can issue a cheque drawn on an account maintained. Especially for this purpose，the customer's deposit account is debited， the special account credited and a cheque issued to the customer for the amount required.When a customer maintains both a deposit and a current accounts at the same branch， funds can be transferred from one to the other freely，so that if the deposit account funds are required to pay a bill， the appropriate sum may be switched to the current account and a cheque issued.

存款賬戶(hù)不允許透支，客戶(hù)一般也不開(kāi)支票從存款賬戶(hù)上取款。當(dāng)存款賬戶(hù)的客戶(hù)需要支付一筆大額賬單，又不想攜帶現(xiàn)金，銀行可以簽發(fā)一張從現(xiàn)有賬戶(hù)付款的支票。尤其在這種情況下，可以借記客戶(hù)的存款賬戶(hù)，貸記專(zhuān)用賬戶(hù)和向客戶(hù)開(kāi)出所需金額的支票。當(dāng)客戶(hù)在一家營(yíng)業(yè)網(wǎng)點(diǎn)既有存款賬戶(hù)又有往來(lái)賬戶(hù)，資金可以從一個(gè)賬戶(hù)隨意地劃撥到另一個(gè)賬戶(hù)上，以便在客戶(hù)要求從其存款賬戶(hù)上支付賬單的情況下，所需金額就可以轉(zhuǎn)移到往來(lái)賬戶(hù)上，并開(kāi)出支票。