储蓄账户是什么？它能帮你做什么？

陈小将

A checking account is the workhorse of your finances: You typically receive your earnings by direct deposit, spend money with a debit card, and pay bills online from your checking account. So why have a savings account, especially when interest rates are low?

活期账户是你的经济支柱：通常你的收入是直接存入卡里的，花钱用借记卡，在网上用活期账户支付账单。那么为什么要有储蓄账户呢，尤其有时利率还很低？

Savings accounts may not pay much, but rates have ticked up, and they may continue to rise in 2019. If that happens, your savings account will get more attractive, unless inflation moves along at a similar pace. 

储蓄账户可能利息不高，但利率会上调，可能2019年还会持续提高。这样的话，你的储蓄账户就更有吸引力了，除非通货膨胀跟利率上调的速度差不多。

Still, there are plenty of reasons to keep cash in a savings account.

但把钱存入账户还有很多原因。