Maakaunti aku banki apano ndi otchuka kwambiri pakati pamakampani, makampani, makampani aboma, mabizinesi omwe nthawi zambiri amakhala ndi kuchuluka kwazomwe amachita ndi banki. Akaunti yapano imatengera ma depositi a akaunti, kuchotsera ndi zochitika za anzawo. Maakaunti awa amatchedwanso ma account deposit account kapena ma checking account.
Chiwongola dzanja ndi mtengo wogwiritsa ntchito ndalama za munthu wina. Mukabwereka ndalama mumalipira chiwongola dzanja. Chiwongola dzanja chimatanthawuza mfundo ziwiri zogwirizana koma zosiyana kwambiri: kaya ndalama zomwe wobwereka amapereka kubanki pa mtengo wangongole, kapena ndalama zomwe mwini akaunti amalandira ngati akufuna kusiya ndalama. Imawerengeredwa ngati gawo la ndalama zonse zangongole (kapena kusungitsa), zomwe zimalipidwa nthawi ndi nthawi kwa wobwereketsa kuti akhale ndi mwayi wogwiritsa ntchito ndalama zake. Ndalamazo zimatchulidwa ngati mtengo wapachaka, koma chiwongoladzanja chikhoza kuwerengedwa kwa nthawi yaitali kapena yochepa kuposa chaka chimodzi.
Akaunti ya msika wandalama ndi akaunti yosungira yomwe ili ndi zinthu zina zowongolera. Nthawi zambiri imabwera ndi macheke kapena kirediti kadi ndipo imalola kuchuluka kwapang'onopang'ono mwezi uliwonse. Mwachizoloŵezi, maakaunti a msika wandalama amapereka chiwongola dzanja chokwera kuposa maakaunti osungira nthawi zonse. Koma masiku ano, mitengo ndi yofanana. Misika yandalama nthawi zambiri imakhala ndi dipoziti yapamwamba kwambiri kapena zofunikira zochepa kuposa maakaunti osungira, choncho yerekezerani zomwe mungasankhe musanasankhe imodzi.
Cheke ndi mgwirizano wamalipiro pakati pa anthu awiri kapena mabungwe. Mukalemba cheke, mukuvomera kulipira munthu wina kapena bungwe ndalama zomwe muli ndi ngongoleyo ndipo mukupempha banki yanu kuti ilipire.
Ku Africa, kusankha mtundu wa akaunti yakubanki kuti mupange kuyenera kukhala chisankho chokhwima kwambiri. Chifukwa chachikulu chinali chakuti anthu kumeneko akadali osauka kwambiri. Kusankha pang'ono koyipa kumatha kukhumudwitsa ena ndikusokonezanso kuphatikizidwa kwachuma.