在本月底之前，是有剩余的钱在银行的帐户或是否透支帐户已被用作？
At the end of the month is there money left in the bank account or does the overdraft accounts have to be used?
只要帐户信用尚未透支，学生通常不需要支付银行费用。
A student won't usually have to pay bank charges as long as the account stays in credit.
他的帐户经常透支。
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