TSU English control number 2 for accountants

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TODAY’S BANK SERVICES
For most people the first banking service they take up is a cheque account.
The cheque account provides:
• a safe place for money
• a quick and simple way to withdraw cash for your everyday needs
• a convenient way to make all the payments you need to other people or other organizations.
With your cheque account comes your cheque book – and also (by arrangement) your cash dispenser card and your Cheque guarantee card.
Bank cards
“Plastic cards” available to bank customers include cheque guarantee card, credit cards and debit cards – all of which can help you pay for goods and services without carrying cash. This is an area which is rapidly developing and new products are always coming onto the market.
Savings for future
The banks offer a wide range of savings accounts. The interest paid varies according to the amount of savings in the account and the length of notice required for withdrawal. Generally, the more you save, the higher the interest rate is.
With some savings accounts you can combine the convenience of a cheque book, with interest, as long as you keep a certain balance in the account.
Savings accounts
• What is a saving account?
The savings account is an account for money that you do not need for day-today expenses. You can open a savings account with as little as 5.00 DM.
Whenever you want to save a sum of money you just go to the bank and pay it in.
Every private customer should have a savings account as a basis for major investments r to cope with unexpected expenses. Many parents open savings accounts for their children.
If you need money you can withdraw up to 2,000 DM in any 30 days without having to give notice. If you need more than 2,000 DM you have to give three month’s notice or you will lose interest.
• How do you know what’s in your account?
When you open your savings account you receive a passbook or savings book. Every deposit and withdrawal is entered in it. So you always have a complete written record of everything that happens to your account. The interest that your money earns is also recorded.
• What are the advantages?
Any money put into your savings account begins earning interest from the day we receive it. The interest rate may vary from time to time according to the long-term money market rate, but we aim to keep it as high and as constant as possible.
You can pay money into your savings account at any branch of the national Bank throughout the country. And you can withdraw up to 2,000 DM on demand at any National Bank branch, as long as you bring your passbook.
• How much does it cost?
Savings accounts are free of charge. We think this makes them even more profitable for you.
• Anything else to think about?
You can earn a higher rate of interest if you arrange for special periods of notice, e.g. one, two or four years.
As a current account holder you can place a standing order with us for regular transfers to your savings account. You can even tell us to transfer on a certain day of each month all the money that is left in your current account on that day.
Current accounts
• What is a current account?
The current account is an account for everyone. It is an account for receiving money from other people: wage-earners can have their wages paid into the account and businessmen can receive money from their customers.
The current account is an account for paying your bills rent, subscriptions and other expenses. It’s the account with our cheque service. If you want to pay money to someone you just write a cheque or send us a credit transfer.
The current account is an account for keeping your money safe. If you keep money in your current account you can go shopping without having to carry cash around with you. When you want to make a payment you simply fill in the amount on a cheque and hand it, together with your cheque card, to the cashier in the shop.