把钱存到储蓄账户上，可以得到利息，可以随时支取，特别通知存款账户除外。
When people deposit money in a savings account, it earns interest. They can withdraw their savings any time, unless it is a special notice account.
这个对小孩子尤其重要- - -孩子们可以在这个时候结算他们的储蓄并得到利息。
This is especially helpful to younger children — it can be the time when they tote up their savings and receive interest.
这可以无限制扩大它的资产负债表，而不会使联邦基金利率降到0。 银行如果可以从联储那里得到1.75%的利息，就不会以0.25%的利率贷出多余的款项。
It could then expand its balance-sheet indefinitely without driving the fed funds rate to zero; a bank will not lend out excess reserves at 0.25% if it can earn 1.75% at the Fed.
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