With a regular passbook saving account, you would be able to withdraw money whenever you need it.

如果是活期存折储蓄帐户，一旦需要，你随时可以取款。

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Besides saving some plastic, the Passbook entry adds some worth through geofencing that reminds recipients to splurge if they're near one of Apple's steel-and-glass stores.

ENGADGET: Apple starts offering Passbook-enabled gift cards, may save our hides in holiday shopping