什么是混合帐户？

Defining the Hybrid Account  定义混合帐户

There are a variety of bank accounts available out there to consumers—the options can feel pretty overwhelming. And the type of accounts people are drawn to will depend on their financial situation, goals, and how they choose to organize their finances.

A hybrid account is one that combines the perks of a checking account with features of an interest-bearing savings account. Instead of linking your checking and savings account, they’re basically functioning as one cohesive account.

A hybrid account allows access to your money on a day-to-day basis, like a checking account would. But on the flip side, it allows your money to gain interest the way it might in a long-term savings account.

Of course, every company is different, and each might have a different approach to crafting a “hybrid account.” But the main gist of a hybrid account is that it’s a multi-functional account that bears some resemblance to a day-to-day checking account and a long-term savings account. (Cue, the Hannah Montana “Best of Both Worlds” song.)

有各种各样的银行帐户可供消费者使用-选项可以感到相当压倒性。人们被吸引到的账户类型将取决于他们的财务状况、目标以及他们选择如何组织财务。

混合账户是将支票账户的福利与计息储蓄账户功能相结合的账户。它们基本上不是将您的支票和储蓄账户连接起来，而是作为一个有凝聚力的帐户发挥作用。

混合账户允许在日常基础上访问您的资金，就像支票账户一样。但另一方面，它允许你的钱获得利息的方式，它可能在一个长期储蓄帐户。

当然，每家公司都不同，而且每个公司都可能有不同的方法来制作一个"混合帐户"。但混合账户的主要要点是，它是一个多功能账户，与日常支票账户和长期储蓄账户有些相似之处。（提示，汉娜蒙大拿州"两全其美"的歌曲。
Hybrid accounts will often take benefits from checking and savings accounts and combine them into one account. A hybrid account may allow you to use checks or a debit card for day-to-day transactions, while still offering the interest rates typically associated with a savings account. Hybrid accounts are often more likely to be offered by online institutions than traditional brick and mortar banks.

You may be wondering how this is possible and why all banks don’t offer similar products. The answer lies in the fact that traditional brick and mortar banks must pay for their storefront locations, the people who staff them, and ATMs.

They do so by charging fees and paying lower interest rates. Online financial institutions that don’t offer ground services can often afford to drop fees and pay higher rates while still offering services like checking and debit cards.混合账户通常会从支票和储蓄账户中获益，并将其合并到一个账户中。混合账户可能允许您使用支票或借记卡进行日常交易，同时仍提供通常与储蓄账户相关的利率。与传统的实体银行相比，在线机构通常更有可能提供混合账户。