朋友相助住院費用 守法換美金 美國可透支帳戶買書

1961年12月10日 (星期日)

 上回任春華*留下的一千美元支票，今天照官價換成臺幣，準備這次住院的費用。

因而談起銀行的存款手續。先生說: 〔我過去在一個銀行裏有一個一千元的透支戶，都是買書的款。有了透支戶，買書就方便了。〕

 *待查

胡頌平說他們守法換美金因而可能少換一成以上的台幣----最高有2成5呢: “那年頭，黑市換美金，還是五十塊台幣換一塊美金呢！”1959-60

胡適開的戶專為交易用，通常無息而可有一定的透支 (OVERDRAFT):  

A transactional account is a deposit account held at a bank or other financial institution, for the purpose of securely and quickly providing frequent access to funds on demand, through a variety of different channels.

Transactional accounts are meant neither for the purpose of earning interest nor for the purpose of savings, but for convenience of the business or personal client; hence they tend not to bear interest. Instead, a customer can deposit or withdraw any amount of money any number of times, subject to availability of funds.

Overdrafts

Main article: Overdraft

In North America, overdraft protection is an optional feature of a chequing account. An account holder may either apply for a permanent one, or the financial institution may, at its sole discretion, provide a temporary overdraft on an ad-hoc basis.