minimum free balance; free balance

简明释义

最低存款余额

英英释义

例句

1.If your free balance 免余额 drops below the required amount, you may incur additional charges.

如果您的免余额 免余额低于要求的金额，您可能会产生额外费用。

2.The minimum free balance 最低免余额 policy helps banks manage their resources more effectively.

该最低免余额 最低免余额政策帮助银行更有效地管理其资源。

3.The bank offers a higher interest rate for accounts with a minimum free balance 最低免余额 of $1,000.

该银行为账户提供更高的利率，条件是有$1,000的最低免余额 最低免余额。

4.You should check your free balance 免余额 regularly to ensure you meet the bank's requirements.

您应该定期检查您的免余额 免余额，以确保满足银行的要求。

5.To avoid monthly fees, you need to maintain a minimum free balance 最低免余额 of $500 in your account.

为了避免每月的费用，您需要在账户中保持$500的最低免余额 最低免余额。

作文

Minimum free balance refers to the least amount of money that must be maintained in a bank account without incurring fees or penalties. This concept is crucial for individuals and businesses alike, as it helps them manage their finances effectively. When a bank account falls below this threshold, customers may face monthly maintenance fees, which can accumulate over time and impact their overall financial health. Understanding the implications of a minimum free balance is essential for anyone who wants to avoid unnecessary charges and maximize their savings potential.On the other hand, free balance indicates the funds available in an account that can be accessed without restrictions. It represents the portion of the account that is not tied up in pending transactions or reserved for future payments. For instance, if someone has a checking account with a balance of $1,000 and has written checks totaling $200 that have not yet cleared, their free balance would be $800. Knowing one's free balance is vital for budgeting and ensuring that there are sufficient funds to cover upcoming expenses.In today’s rapidly changing financial landscape, understanding these terms can lead to better financial decisions. Many banks offer different types of accounts with varying minimum free balance requirements. For example, a high-yield savings account might require a higher minimum free balance to earn interest, while a basic checking account might have a lower threshold. Customers should carefully consider their banking needs and choose accounts that align with their financial goals.Moreover, maintaining the required minimum free balance can also help build a good relationship with the bank. Banks often reward customers who maintain stable balances with perks such as lower interest rates on loans or better terms on credit cards. Therefore, keeping track of one’s minimum free balance can lead to additional financial benefits.Additionally, technology has made it easier than ever to monitor both the minimum free balance and free balance in real-time. Most banks provide online banking services and mobile applications that allow users to check their account balances, view transaction history, and set up alerts for when their balance approaches the minimum free balance. This level of accessibility enables customers to stay informed and take proactive measures to avoid falling below the required balance.In conclusion, understanding the concepts of minimum free balance and free balance is fundamental for effective financial management. By being aware of the minimum free balance required by their accounts, individuals can avoid unnecessary fees and make informed decisions about their spending and saving habits. Furthermore, knowing the free balance allows for better budgeting and planning for future expenses. As financial literacy continues to grow in importance, mastering these terms will undoubtedly empower individuals to take control of their financial futures.

最低自由余额是指在银行账户中必须保持的最低金额，以避免产生费用或罚款。这个概念对于个人和企业都至关重要，因为它有助于他们有效管理财务。当银行账户低于这一阈值时，客户可能会面临每月的维护费用，这些费用随着时间的推移可能会累积并影响他们的整体财务健康。理解最低自由余额的含义对于任何想要避免不必要费用并最大化储蓄潜力的人来说都是至关重要的。另一方面，自由余额表示可以在没有限制的情况下访问的账户资金。它代表账户中未被待处理交易或未来支付保留的部分。例如，如果某人有一个余额为1000美元的支票账户，并且已经开出总计200美元的支票尚未清算，那么他们的自由余额将为800美元。了解自己的自由余额对预算和确保有足够资金覆盖即将到来的支出至关重要。在当今快速变化的金融环境中，理解这些术语可以带来更好的财务决策。许多银行提供不同类型的账户，具有不同的最低自由余额要求。例如，高收益储蓄账户可能要求较高的最低自由余额以赚取利息，而基本支票账户的阈值可能较低。客户应仔细考虑他们的银行需求，并选择与其财务目标相符的账户。此外，保持所需的最低自由余额也可以帮助建立与银行的良好关系。银行通常会奖励那些维持稳定余额的客户，例如降低贷款的利率或改善信用卡的条款。因此，跟踪自己的最低自由余额可以带来额外的财务利益。此外，科技使得实时监控最低自由余额和自由余额变得比以往任何时候都容易。大多数银行提供在线银行服务和移动应用程序，允许用户检查账户余额、查看交易历史，并设置警报，以便在余额接近最低自由余额时通知他们。这种可访问性使客户能够保持信息灵通，并采取主动措施，以避免低于所需余额。总之，理解最低自由余额和自由余额的概念对于有效的财务管理至关重要。通过了解账户所需的最低自由余额，个人可以避免不必要的费用，并就其支出和储蓄习惯做出明智的决定。此外，了解自由余额有助于更好地预算和规划未来的支出。随着金融素养的重要性不断增长，掌握这些术语无疑将使个人能够掌控他们的财务未来。