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Deposit accounts，together with savings accounts， represent the simplest form of bank account. The customer deposits funds and withdraws them as required. No chequebook is issued on this type of account. Therefore， the formalities of opening an account are simple， Often there is no need for a reference， the customer's name， address and occupation， together with a specimen signature and an initial deposit being all that are needed.

存款賬戶，和儲蓄賬戶一起，是銀行賬戶的基本形式，客戶按規定存、取款。此種類型的賬戶不能開支票，所以，開戶的手續很簡單。一般無需證明人，只需客戶的姓名、住址、職業，連同簽字樣本和開戶金額即可。

Payments into a deposit account， which can consist of cash， cheques， postal orders and so on，may be made at the branch where the account is maintained or at any other branch of the bank. Funds may be withdrawn to the amount of the credit balance on the account normally only at the branch where it is maintained， although some banks do permit limited withdrawals at other branches. Withdrawals are subject to the required period of notice — often seven days. But in practice， prior notice is not always insisted upon， provided that the amounts required are not too large.

客戶可以用現金、支票、郵局匯款單等，在開戶行或任何其他營業網點，向其存款賬戶上存款。客戶一般只能從開戶行有貸方余額的賬戶上取款，雖然有的銀行確實允許在其他營業網點限額取款。取款需事先通知，一般要提前七天。但在實際操作中，只要提取的金額不大，并不一定非要提前通知。

No overdrafts are permitted and a customer may generally not draw a cheque on a deposit account. When a deposit account customer has a large bill to pay and does not wish to carry cash， the bank can issue a cheque drawn on an account maintained. Especially for this purpose，the customer's deposit account is debited， the special account credited and a cheque issued to the customer for the amount required.When a customer maintains both a deposit and a current accounts at the same branch， funds can be transferred from one to the other freely，so that if the deposit account funds are required to pay a bill， the appropriate sum may be switched to the current account and a cheque issued.

存款賬戶不允許透支，客戶一般也不開支票從存款賬戶上取款。當存款賬戶的客戶需要支付一筆大額賬單，又不想攜帶現金，銀行可以簽發一張從現有賬戶付款的支票。尤其在這種情況下，可以借記客戶的存款賬戶，貸記專用賬戶和向客戶開出所需金額的支票。當客戶在一家營業網點既有存款賬戶又有往來賬戶，資金可以從一個賬戶隨意地劃撥到另一個賬戶上，以便在客戶要求從其存款賬戶上支付賬單的情況下，所需金額就可以轉移到往來賬戶上，并開出支票。