This is the most popular kind of account in a bank. Funds are paid in by the customer, who may also ask his employer to pay his wages or salary direct into the account by means of a bank giro credit. The customer is usually issued with a cheque book although some customers use their accounts solely1 for the payment of standing2 orders or direct debits4. Funds may be withdrawn5 on demand either by drawing cash by cheque at the branch where the account is maintained or by writing cheques in favour of another person.
活期账户在银行是最容易见到的账户，资金由顾客交纳，顾客也可以需要老板以银行贷记划款单的方法把他的薪资或薪金划入账内。虽然有的顾客只不过把账户以约期付款授权书或以直接借记方法作办理付款之用，但顾客一般还是用支票付款。资金可以随时提取,或者在账户行用支票提款,或者签发支票给其他人。
Current accounts should always be maintained in credit unless overdraft6 arrangements have been previously7 made.These arrangements will include an agreed limit on the account beyond which the customer should not draw. 活期账户应一直维持贷方余额，除非预先作了透支安排。这类安排包含账面上双方商定的限额，提款时不能超越这个限额。 Interest is calculated on the amount of overdraft on a daily basis and charged to the account half-yearly, at a rate based on the percentage over the bank's base rate. Where facilities for an overdraft are granted, the bank may also make a special charge for arranging them and committing the bank's money, whether the facilities are used or not. Security may be required to back an overdrawn8 account. 利息是依据银行基准利率加上百分点，按逐日的透支金额计算，每半年借记账户。但凡授权透支，无论是否用，银行对安排透支与资金的承诺也可以收取特别成本。透支的账户可能需要提供担保。 Interest is not paid by banks when a current account is in credit. Instead, charges are made on the basis of the number of transactions passing through the account. If any charges are to be made they are debited9 either quarterly or half-yearly.活期账户有贷方余额时，银行不支付利息。相反，银行还要依据该账户办理业务的笔数收取成本。假如收取成本，这类成本按季度或半年借记账户。
Most banks do not charge for payments into the accounts but operate a charge for debits such as cheques paid, standing orders and direct debits. The cosplayt of these items is calculated quarterly or haft-yearly by the bank's computer and against this is set off notional rate of interest on the customer's average credit balance during the period. Where the notional interest exceeds the cosplayt of the debit3 items no charge is made, although no interest is credited to the account. 大部分银行对划入账户的款项不收成本，但对借记的款项，如付款支票、按期付款和直接借记要加收成本。这类项目的成本由银行的计算机按季度或半年计算一次，根据该期间内顾客平均贷方余额的名义上的利率抵消这类成本。尽管账户上没贷记利息，凡是是名义上的利率超越借记项目的成本，就不收取成本。 Nowadays all the major banks either publish their scale of charges or will explain them to a customer or potential customer on request. 现在，所有些银行都公布怎么收费，或者向顾客说明怎么收费，或者有潜在顾客询问时予以说明。 Current account holders10 are entitled to make use of most services of the bank. 活期账户用户享有办理银行大多数服务项目的权利。