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
2025-06-20
14
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 Demand deposits may be withdrawn in the form of currency or coin, or they may be transferred to another account at any commercial bank.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Savings deposits at commercial banks and thrifts can usually be withdrawn as currency or coin, or as a cashier’s check of the bank (a check drawn against the issuing bank) ; they may be trans-fenced into the depositor’s demand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 original 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 deposit account 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:https://tihaiku.com/zcyy/4126443.html
相关试题推荐
Unlikecommercialbanks,otherdepositoryfinancialintermediariesdonothavet
Moneymaybetightifthemoneysupplygrowsatafasterratethanthedemandfo
Commercialpaper______.A、isissuedmainlybycommercialbanksB、canbeeithersh
Ademandbill______.A、isonedomiciledatabankB、requirespresentationsforac
Intheopen-economymacroeconomicmodel,thequantityofdollarsdemandedinfor
Theideathatthedemandforautoworkersstemsfromthedemandforautomobiles
Whichofthefollowingbankingactsallowedcommercialbankstogetintoinvestm
Liabilitiesofacommercialbankincludeallofthefollowingexcept______.A、bor
WhichofthefollowingactivitiesareforbiddentocommercialbanksbytheGlass
[originaltext]M:Whatarethreetypesofbankdepositsexactly?W:Theyaresig
随机试题
Commutershavea40percentgreaterriskofendingupdivorced,accordingt
ThelargeroftwonumbersexceedsthreetimesthesmallernumberbyThesumoft
______是平面设计中,密不可分的三位一体。一个好的版面是这三方面优秀发挥与结
进行肌力检查时,最先进行哪一级别的检查:A.0级 B.1级 C.2级 D.
高危妊娠包括以下哪几项:()A.孕妇年龄35岁 B.有阴道助产史者
偏头痛
负责药品采购供应、处方或者用药医嘱审核是A.药事管理与药物治疗学委员会(组)的职
某汽车货运公司上半年(1至6月共181天)拥有5吨载货汽车150辆及5吨挂车50
部门规章与地方政府规章之间对同一事项的规定不一致时,采取的解决方式是()。
(2015年真题)施工升降机是提升建筑材料和升降人员的重要设施,如果安令防护装置
最新回复
(
0
)