协定存款是对公客户与银行签订协定存款合同，双方商定对公客户保留一定金额的存款以应付日常结算，此部分按普通活期利率计付利息，超过定额金额的那部分存款按协定存款利率计付利息。协定存款功能等同活期存款，但收益要高出活期存款近2倍，一般银行只会跟有大额存款的客户做协定存款。个人存款不适用。
贵行对初次协定存款有什么要求吗？
Is there any requirement for initial deposit of agreement savings?
噢…，首先，你们公司要与我行签订单“单位协定存款合同”，然后我行为你在结算账户之上开立协定存款账户。
Ah..., first, you should sign the Corporate agreement savings Contract with our bank, and then our bank will open an account of agreement savings on the basis of your settlement account.
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