首页
登录
职称英语
Commercial bank deposits, including demand deposits, are subject to immediat
Commercial bank deposits, including demand deposits, are subject to immediat
游客
2025-06-19
50
管理
问题
Commercial bank deposits, including demand deposits, are subject to immediate withdrawal during regular banking hours at the request of the depositor with the exception of certain time deposits , discussed in this section. Demand deposits may be withdrawn in the form of currency or coin, or they may be transferred to another account at any commercial bank. Demand deposits at commercial banks can be transferred by bank check and are sometimes called checking accounts. No money interest is paid on demand deposits. Checkable NOW accounts, or share drafts at credit unions, which are available to consumers but not business depositors, pay interest. Technically, they are savings accounts that are accessible by a negotiable order of withdrawal.
Savings deposits at commercial banks and thrifts can usually be withdrawn as currency or coin, or as a cashier’ s check of the bank(a check drawn against the issuing bank); they may be transferred into the depositor’ s demand deposit account at the same bank, although technically the bank may refuse to withdraw or transfer a savings account for 30 days.
Time deposit accounts with specified maturities are exceptions to the convention that commercial bank deposits should be convertible to cash on demand. Prior to the date of maturity, the bank may refuse to exchange such a time deposit claim or may impose a penalty fee. The time deposit pays interest, giving it one of the characteristics of other private bonds.
Consumer or personal time deposits include CDs in denominations of less than $ 100,000. They are non-negotiable; that is, they cannot be sold and must be returned to the issuing bank by the o-riginal purchaser. Until 1976, there were effective ceilings on interest payments. In 1973, consumer CDs were first authorized with ceiling interest yields closer to market interest rates. They were called money market certificates. [br] Into what kind of account can a savings deposit be transferred at the same bank?
选项
A、A time deposit account of the depositor.
B、A demand deposit account of the depositor.
C、A NOW account of the depositor.
D、A fixed time account of the depositor.
答案
B
解析
文章第二段提到Savings deposits may be transferred into the depositor’s demand depositaccount at the same bank,savings deposit在文中指活期存储账户,所以B选项正确。
转载请注明原文地址:http://tihaiku.com/zcyy/4125125.html
相关试题推荐
Commercialpapermayeitherbedealerplacedordirectlyplaced.Ifitisde
Commercialpapermayeitherbedealerplacedordirectlyplaced.Ifitisde
Commercialpapermayeitherbedealerplacedordirectlyplaced.Ifitisde
______maymakewagedemandsbasedontheaccountinginformationthatshowstheir
[originaltext]Sightdepositscanbewithdrawnthroughcashdispensersorbyche
Acommercialbankshallformulateitsbusinessrules,establishandimprove
Acommercialbankshallformulateitsbusinessrules,establishandimprove
Similartoanon-financialbusiness,acommercialbankobtainsfundsfromcr
Similartoanon-financialbusiness,acommercialbankobtainsfundsfromcr
Commercialbankdeposits,includingdemanddeposits,aresubjecttoimmediat
随机试题
"GivemeafishandI’lleatforaday,teachmehowtofishandI’lleatfo
[originaltext]M:Areyougoingtothemoviestonight?W:I’mafraidnot.Istil
[originaltext]W:AreyouallreadyforChristmas?M:No,Ihaven’tevenstarted
Thesmallvillagewasperfectlyquiet,exceptforafew______dogbarking.A、abru
下列短语属于连谓短语的是( )。A.看着高兴 B.请他跳舞 C.喜欢游泳
有关人工流产术吸宫不全的处理不正确的是A.超声检查确诊 B.若无明显感染迹象,
麻黄、浮小麦、糯稻根共有的功效是A.益气除热B.益胃生津C.固表止汗D.补肾宁心
患者,男,50岁,诊断为高血压、冠心病。医师处方,氨氯地平片10mgpoqd
某通信行业上市公司普通股目前市价为15元,预期每股年股利额为0.7元,股利年期望
职业健康安全管理体系和环境管理体系运行中的实施重点是围绕()等开展活动。A
最新回复
(
0
)