W: May I help you
M: Yes, please. I’d like to open a new account.
W: Yes, I’d be happy to help you. What kind of accounts would you like to open
M: Well, I am not sure. What kind of accounts can I open here
W: Usually we offer current account and fixed account for individuals.
M: Could you tell me the differences between them
W: Of course I will. If you open a fixed account, the interest rate is higher.
M: Then how about the current account
W: You may withdraw the money at any time and you just need to present your bank card and a withdraw slip.
M: I would rather open a current account.
W: OK, please fill in this application form.
M: Here is the filled out application form. Is everything all fight
W: Yes, quite all right. But you have to deposit some money at the same time you open the account.
M: Fine. Here are one hundred pounds.
W: Please show your passport.
M: Here you are.
W: Good. Please sign here. OK, everything is done. Here is your receipt and passport. I’ll mail you the bank card in a week.
M: Thank you very much.
W: It’s my pleasure.

What is the characteristic of current account（）