They have free bank accounts that are currently subsidised by richer customers with big savings balances and the financially disorganised who pay penalties for unauthorised overdrafts.
他们拥有目前得到以下两方面补贴的免费银行账户，这两方面是指储蓄余额庞大的更加富裕的客户，以及为未经授权的透支行为支付罚金的财务管理混乱者。
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