You do not want a home loan that calculates interest on an average monthly balance.

你不想居所贷款利息计算，每月平均余额。

youdao

Divide your cash balance by the average monthly burn rate and figure out how many months of cash you have left.

现金余额除以每月烧钱量，计算出你剩余的现金还够几个月的。

youdao

More good news for bank consumers: since the January 2011 Bank Fee Survey, average minimum balance requirements to avoid fees are lower, and average monthly checking account maintenance fees (for those who pay them) are also slightly lower.

FORBES: Free Checking Options Fewer, But Not Gone