Do I need a saving account and a checking account?

蓄存款账户和支票存款账户我都需要开吗？

What's the difference between a savings account and a checking account?

蓄存款与支票存款区别是什么？

And this could kind of be viewed as a checking deposit.

这可以视为支票存款。

The checking was free if I had direct deposit, and my checks were also free.

如果我使用直接存款，支票账户是免费，而且我支票也是免费。

In that case I highly recommend you apply for a savings and checking account also. That would help with your credit card application.

这样话，我极力推荐你申请一个即蓄存款和支票存款于一身账户。这对你信用卡申请有帮助。

In the decade before covid-19 the wealthiest 1% of Americans had, in aggregate, about twice as much in cash and chequable bank deposits as the bottom 50%.

在疫情之前十年里，最富有1%美国人总共拥有现金和支票银行存款大约是底层50%人。

This bank had $100 in gold and it could lend out up to $200 in -- or it could put out up to $200 in checking deposit accounts.

这家银行有100美元黄金 所以它能借出或者说产生达到200美元支票存款账户。

A teller, T-E-L-L-E-R, is the person who works at the bank whom you talk to about cashing a check or making a deposit or getting money.

柜员（T-E-L-L-E-R）是指在银行工作、负责处理客户兑现支票、存款或取款等事务人员。

That man also revealed that FTX let thousands of uncashed deposit checks sit around like junk mail and approved millions of dollars of expense reports via emoji on Slack.

那位人士还透露，FTX交易所竟让成千上万未兑现存款支票像垃圾邮件一样堆积，并通过Slack上表情符号批准了数百万美元费用报销单。

Both companies made their fortunes building and selling ATMs to banks, but there's only so many banks in the world who need ATMs and so much innovation to be had with cash withdrawals and check deposits.

家公司都是通过制造和向银行销售 ATM 机发家致富，但世界上需要 ATM 机银行数量有限，而且在现金提取和支票存款方面也需要大量创新。