> ## Documentation Index
> Fetch the complete documentation index at: https://docs.killb.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 储蓄存款

> 通过 ACH、电汇或加密货币为您的储蓄账户充值

## 存款方式

<CardGroup cols={3}>
  <Card title="ACH" icon="building">
    **1-3 个工作日**\
    低成本，美国银行
  </Card>

  <Card title="电汇" icon="gauge-high">
    **当天**\
    快速，费用较高
  </Card>

  <Card title="加密货币" icon="coins">
    **几分钟**\
    发送 USDC，自动转换
  </Card>
</CardGroup>

## ACH 存款

获取 ACH 说明：

```bash theme={null}
GET /api/v2/savings/{savingsAccountId}/deposit-instructions/ACH
```

```json 响应 theme={null}
{
  "type": "ACH",
  "accountNumber": "123456789",
  "routingNumber": "987654321",
  "accountHolderName": "Bridge Bank NA",
  "memo": "ABC123"
}
```

<Warning>
  用户必须在存款中包含 `memo` 字段才能正确入账。
</Warning>

## 电汇存款

```bash theme={null}
GET /api/v2/savings/{savingsAccountId}/deposit-instructions/WIRE
```

## 加密货币存款

获取钱包地址：

```bash theme={null}
GET /api/v2/savings/{savingsAccountId}/crypto-deposit-instructions
```

用户在 Polygon 上发送 USDC，自动转换为 USD 余额。

## 下一步

<Card title="提款" icon="arrow-up" href="/zh/guides/savings/withdrawals">
  了解如何提款
</Card>