最低存款余额是指企业存放在银行的低息或无息存款。它往往是银行借款给企业的附加条件，最低存款余额一般占贷款使用额的2%-5%。最低存款余额不计算计息，增加了银行从周转贷款中赚取的实际利息。
数家大型银行已经作出了以下回应：对客户收取账户月费，或者要求其账户上至少保持最低存款余额。
Several big Banks have already responded by charging customers monthly account fees or asking for minimum balances to be maintained on their accounts.
借记奖励是对客户的诸如消费，留存高账面余额，制定最低存款等行为进行奖励。
Debit rewards are awarded to customers for actions like spending, carrying high balances and making minimum deposits.
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