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Transaction account
A transaction account or demand deposit account is a deposit account held at a bank or other financial institution which is available to the account owner "on demand" and is available for frequent and immediate access by the account owner or to others as the account owner may direct. Access may be in a variety of ways, such as cash withdrawals, use of cheques and debit by electronic transfer. In economic terms, the funds held in a transaction account are regarded as liquid funds.
Transaction accounts are generally used for the business or personal convenience of the account holder. They normally do not earn any or a high interest and the financial institution that maintains the account commonly charges the account holder account maintenance or transaction fees.
== Name ==
Transaction accounts are known by a variety of descriptions, including a current account (British English), chequing account or checking account when held by a bank, share draft account when held by a credit union in North America.〔U.S. and Canadian spelling, respectively; see further at Etymology and spelling.〕 In the United Kingdom, Hong Kong, India and a number of other countries, they are commonly called current or cheque accounts. Because money is available on demand they are also sometimes known as a demand accounts or demand deposit accounts. In the United States, NOW accounts operate as transaction accounts.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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