[请教]几个金融学paper中的词怎么翻译

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这是四种银行产品：offer-personal transactions, savings accounts, term deposits which are carded(those whith standard interest rates offered on fixed periods) and term deposits which are non-carded(where the deposit is negotiated on an ad hoc basis).

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关键词：APE 金融学 Transactions Transaction Negotiated 翻译 请教 金融学 Paper

offer-personal transactions
提供个人业务（似乎这里只能这么翻译）
savings accounts
储蓄账户
term deposits which are carded(those whith standard interest rates offered on fixed periods)
记录定期存款（定期且以标准利率计）
term deposits which are non-carded(where the deposit is negotiated on an ad hoc basis)
非记录定期存款（存款可以特别议定）