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Defining the Hybrid Account  定義混合帳戶

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.)

有各種各樣的銀行帳戶可供消費(fèi)者使用-選項(xiàng)可以感到相當(dāng)壓倒性。人們被吸引到的賬戶類型將取決于他們的財(cái)務(wù)狀況、目標(biāo)以及他們選擇如何組織財(cái)務(wù)。

混合賬戶是將支票賬戶的福利與計(jì)息儲(chǔ)蓄賬戶功能相結(jié)合的賬戶。它們基本上不是將您的支票和儲(chǔ)蓄賬戶連接起來(lái)，而是作為一個(gè)有凝聚力的帳戶發(fā)揮作用。

混合賬戶允許在日?；A(chǔ)上訪問您的資金，就像支票賬戶一樣。但另一方面，它允許你的錢獲得利息的方式，它可能在一個(gè)長(zhǎng)期儲(chǔ)蓄帳戶。

當(dāng)然，每家公司都不同，而且每個(gè)公司都可能有不同的方法來(lái)制作一個(gè)"混合帳戶"。但混合賬戶的主要要點(diǎn)是，它是一個(gè)多功能賬戶，與日常支票賬戶和長(zhǎng)期儲(chǔ)蓄賬戶有些相似之處。（提示，漢娜蒙大拿州"兩全其美"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.混合賬戶通常會(huì)從支票和儲(chǔ)蓄賬戶中獲益，并將其合并到一個(gè)賬戶中?；旌腺~戶可能允許您使用支票或借記卡進(jìn)行日常交易，同時(shí)仍提供通常與儲(chǔ)蓄賬戶相關(guān)的利率。與傳統(tǒng)的實(shí)體銀行相比，在線機(jī)構(gòu)通常更有可能提供混合賬戶。