Use all of the following words to write an article (not less than 100 words)

Do you have small savings every month?I suggest you should deposit these savings to the bank regularly.What Lump-sum deposit & withdrawal time deposit refers to savings deposit whose principal is deposited at a time with the minimum amount of 50 RMB yuan and whose term is set by the depositor at the time of account opening.The maturities range from three grades:3 months,1/2 year,1 year,3 years,5 years.A deposit certificate(passbook) is issued to you after the principal is deposited.When the deposit falls due,the depositor can withdraw the principal and accrued interest with the certificate(bankbook)
也不枉我费劲整理.
以上英文的汉语意思：
你每个月都有小笔节余吗?我建议你定期地将这些小钱存到银行里.整存整取定期储蓄存款是指一次存入本金,起存金额为50元人民币,开户时确定存期的一种储蓄形式.存期分三个月、半年、一年、三年、五年,由储蓄机构发给存单（折）,到期凭存单（折）支取本息.