支票账户中应存放多少资金？ 支票账户的设计初衷是可频繁动用资金。你可能用它支付房租/房贷、学生贷款、信用卡账单等日常开 支。 图片来源：Getty Images 过去 一年，股市和其他金融市场的走势可谓跌宕起伏。对于那些不太能承受投资组合波动的投资者来 说，存款账户虽不高但稳定的回报或许能带来些许慰藉。例如，部分优质高收益储蓄账户的利率甚至可 能跑赢通胀。而支票账户的利率通常较低，但其优势在于资金支取最为灵活。 那么，具体而言，与投资相比，你在支票账户和储蓄账户中应分别存放多少资金呢？ 大多数支票账户都能让你轻松支取资金，例如可通过借记卡消费、在ATM机取现，或通过自动清算系 统（ACH）转账至其他账户或直接支付给供应商等。 不想支付账户管理费？ 除了少数例外，支票账户通常并非长期存放资金的理想选择，因为它们大多不付息或利率低于其他类型 的存款工具。根据美国联邦存款保险公司（Federal Deposit Insurance Corp.，FDIC）的数据，截至本文 发表时，全美计息支票账户的存款利率为0.07% APY（平均年化收益率）。相比之下，储蓄账户的平均 利率为0.38% APY，货币市场账户的平均利 ...

这家由前Visa(V.US)高管Chris Britt和康卡斯特(CMCSA.US)前员工Ryan King于2012年联合创立的公司， 通过与实体银行合作提供金融服务。其特色产品包括具有免手续费透支等用户友好功能的品牌支票账 户。 美国金融科技企业Chime(CHYM.US)周三宣布，其首次公开募股(IPO)以每股27美元的发行价成功募集 8.64亿美元资金。此次发行价格区间原定为24至26美元每股，最终定价超出预期上限。 根据完全稀释后的股本计算，Chime此次IPO估值约达116亿美元，成为近年来美国金融科技领域规模最 大的上市案例之一。此次上市正值行业估值从新冠疫情催生的高点回调之际——疫情期间金融科技与电 子商务企业曾获得大量投资。 该公司原计划今年早些时候上市，但因特朗普"解放日"关税公告引发金融市场动荡而推迟。近期IPO市 场的回暖促使更多企业重启上市计划，6月正成为关键窗口期——各公司希望趁传统夏季淡季来临前， 把握相对稳定的市场环境。 截至3月31日，Chime拥有860万活跃会员。招股书显示，第一季度每位活跃会员平均贡献251美元收 入，月均交易54笔，其中75%为使用Chime品牌卡片的 ...

回顾：上周2个IPO完成上市，共募资约12亿美元。 Circle(CRCL) 以每股31美元(原计划以每股24至26美元)，发行了3400万股(原计划发行2400万股)，募集了10.54亿美元。 Omada(OMDA) 以每股19美元，发行了790万股，募集了1.5亿美元。 此外，9家公司递交招股书，其中3家来自中国，分别是：三嘉珠宝(暂未选定代码)、贝塔金融(BTFT)、尚礼坊花(GINT)。 本周，暂有4家公司计划上市，还有1家来自中国香港的707 Cayman Holdings (JEM)或随时加入。 Voyager 是一家国防技术与太空解决方案公司，提供国防系统、太空解决方案、Starlab空间站，其主要合作伙伴包括Palantir、NASA、洛克希 德·马丁、美国空军和Sierra Space。 计划上市时间：2025年6月11日 交易所：NYSE 股票代码：VOYG 1、航天航空与国防公司——Voyager Technologies, Inc./DE 2、金融科技公司——Chime Financial, Inc. 计划上市时间：2025年6月12日 交易所：NASDAQ 股票代码：CHYM Chi ...

Financial Data and Key Metrics Changes - The company reported a GAAP loss per share of $0.29 and core earnings per share of $0.23, with a significant non-cash goodwill impairment charge of $17.6 million or $0.51 per share impacting GAAP results [6][5] - GAAP and core net interest margins (NIM) expanded to 2.51% and 2.49% respectively, marking increases of 12 basis points and 24 basis points quarter over quarter [9][33] - Average deposits increased by 7% year over year and about 1% quarter over quarter, with the loan to deposit ratio improving to 87% from 94% a year ago [11][33] Business Line Data and Key Metrics Changes - The company is focused on improving profitability through net interest margin expansion, particularly from real estate loans that are contractually set to reprice higher [8][10] - Approximately $511 million of loans are due to reprice 171 basis points higher in 2025, with expectations of generating an annualized $9 million of interest income in 2025 and $13 million in 2026 from these repricings [14][15] Market Data and Key Metrics Changes - The Asian markets account for about one-third of the company's branches, with $1.3 billion in deposits and $738 million in loans, indicating a 3% market share in a $40 billion market, suggesting significant growth potential [26][33] - The spread between the five-year FHLB advance and the three-month SOFR rate turned negative during the quarter, which may impact future net interest margins [27][33] Company Strategy and Development Direction - The company aims to enhance profitability, maintain credit discipline, and preserve strong liquidity and capital, with a focus on contractual loan repricing to drive net interest margin expansion [6][33] - The company plans to expand its branch network in Asian markets, indicating a strategic focus on growth in these areas [26][33] Management Comments on Operating Environment and Future Outlook - Management noted that while the economic outlook has become uncertain, they remain focused on controllable factors and investing in business initiatives to drive future profitability [30][33] - The company expects stable assets for the year, with loan growth being market-dependent, and emphasizes the importance of improving the mix of interest-earning assets and liabilities [31][33] Other Important Information - The allowance for credit losses is stable at 59 basis points of loans, with a low level of criticized loans at 133 basis points, reflecting the company's conservative underwriting standards [20][33] - Non-interest income is expected to benefit from the closing of back-to-back swap loans and a BOLI exchange, while non-interest expenses are projected to increase by 5% to 8% in 2025 [32][33] Q&A Session Summary Question: Can you provide color around the adjustments that offset the seasonal uptick in expenses? - Management indicated that adjustments were made based on year-end accruals that needed to be trued up as the new year began [38] Question: What were the reasons for the uptick in multifamily non-performing loans (NPLs)? - Management explained that the uptick was related to a specific borrower with three loans and a tenant moving out of an office building, with efforts underway to resolve these issues [40][41] Question: How is the Asian community managing through the tariff situation? - Management stated that there is no direct exposure to trade financing and that the community is tight-knit, expecting minimal impact on their real estate-focused portfolio [58][59] Question: What is the outlook for the SBA pipeline and gain on sale income potential? - Management noted that while they do not provide guidance on gain on sale income, they have seen activity in real estate-based lending with premiums on sale around 7% [66] Question: Should we expect some level of reserve build going forward? - Management indicated that given the uncertainty in the environment, they expect to see some reserve build once there is finalization over the tariffs [67]