Spořicí účet má vysoký zůstatek.

Yes. Spořicí účet is the standard Czech term for savings account.

• účet = account
• spořicí comes from spořit = to save

So the adjective spořicí describes the purpose of the account: it is an account used for saving money.

It does not mean that the account is somehow economical or frugal. It is simply the normal banking term for savings account.

This is a very common spelling question.

In standard Czech, spořicí with short -i- is a purpose adjective. It means something like intended for saving or used for saving.

• spořicí účet = a savings account

By contrast, spořící with long -í- is an active participle and means saving right now.

• spořící člověk = a person who is saving

So:

• spořicí účet = correct, normal banking term
• spořící účet = would sound like an account that is currently saving, which is not the intended meaning

This short-i vs. long-í distinction is very common in Czech:

• balicí papír = wrapping paper
• balící muž = a man who is wrapping

Má is the 3rd person singular present tense of mít, which means to have.

A few present-tense forms of mít are:

• já mám = I have
• ty máš = you have
• on / ona / ono má = he / she / it has

Here the subject is spořicí účet, which is singular, so Czech uses má:

• Spořicí účet má... = The savings account has...

The subject is spořicí účet and the object is vysoký zůstatek.

So the structure is:

• Spořicí účet = subject = the savings account
• má = verb = has
• vysoký zůstatek = direct object = a high balance

A learner may find this confusing because zůstatek looks like a nominative form too. But after mít, Czech normally uses the accusative for the thing possessed.

So grammatically:

• spořicí účet = nominative singular
• vysoký zůstatek = accusative singular

Good question. In Czech, many masculine inanimate nouns have the same form in the nominative and accusative singular.

That is what happens here:

• nominative: zůstatek
• accusative: zůstatek

So even though zůstatek is the direct object after má, its form does not change.

The same thing happens with the adjective:

• nominative: vysoký
• accusative: vysoký

Because zůstatek is masculine inanimate singular, the adjective agrees with it and also looks the same in both cases.

Czech naturally uses vysoký with many amounts, levels, prices, salaries, and balances.

So:

• vysoký zůstatek = a high balance

This is very natural and idiomatic.

Velký zůstatek would probably still be understandable, but vysoký zůstatek is the more standard choice in financial language.

So this is similar to English, where we also often say:

• high balance
• high salary
• high price

Because Czech does not use articles the way English does.

So Czech simply says:

• Spořicí účet má vysoký zůstatek.

Depending on context, this could correspond to English as:

• The savings account has a high balance.
• A savings account has a high balance.
• The savings account has the high balance.
  (though that last one would need special context in English)

Czech usually leaves definiteness to context, word order, and shared knowledge.

Here is the grammatical breakdown:

• spořicí účet

  • účet = nominative singular masculine inanimate
  • spořicí agrees with účet

• vysoký zůstatek

  • zůstatek = accusative singular masculine inanimate
  • vysoký agrees with zůstatek

So the sentence is a straightforward subject + verb + object pattern.

The given order is the most neutral one:

• Spořicí účet má vysoký zůstatek.

This is the normal subject–verb–object order.

Czech word order is more flexible than English, so other orders are possible, but they usually change the emphasis.

For example:

• Vysoký zůstatek má spořicí účet.
  This puts more focus on vysoký zůstatek and may sound contrastive or stylistically marked.

So for a learner, the original sentence is the safest and most natural version.

Zůstatek means balance, especially in financial contexts, but more literally it is related to the idea of what remains.

It comes from the verb zůstat = to remain / to stay.

So depending on context, zůstatek can mean:

• balance
• remainder
• remaining amount

In this sentence, it clearly means account balance.

A rough pronunciation guide is:

• spořicí ≈ SPORH-it-see
• účet ≈ OO-chet
• má ≈ maa
• vysoký ≈ VI-soh-kee
• zůstatek ≈ ZOO-sta-tek

A few important notes:

• Czech stress is usually on the first syllable of each word.
• ú and ů both represent a long oo sound.
• c is pronounced like ts.
• č is pronounced like ch in church.
• ř is the famous Czech sound; for English speakers, it is the hardest one. It is roughly like a rolled r mixed with the zh sound from measure.

So the whole sentence is approximately:

SPOŘicí Účet má VYsoký ZŮstatek.