生活英语情景口语:开办新帐户

L: good morning. How can I help you?
C: I'd like to open a new account.
L: have you filled out an application form?
C: yes. And I've brought some documents along with me, too. Do you need to see my passport?
L: yes. I'll just have my assistant looko over these quickly and then we'll move on to the next step. Did you want to open up a checking account and a savings¹ account?
C: yes. Does the checking account come with a debit² card?
L: yes. Actually, both accounts come with cards that you can use in ATM machines, so that you won't have to come in to the bank to make a transaction.
C: that's very convenient.
L: it is. Our customers really like it. Do you have any other questions about your new accounts?
C: yes. What's the maximum amount that you are allowed to have in an overdraft³?
L: the maximum is $1000.
C: is there a penalty for having an overdraft?
L: yes, but it's not much. You just have to pay 1% interest on the account. It's much lower rate than any of our loans and it's much better than owing money to most credit cards.
C: that's true. Is everything alright with my documents?
L: they're all in order. If you just sign your name here, you'll receive your cards and pin numbers in the mail in about three weeks.
C: thank you very much.
L: you're welcome.

早上好，有什么能帮忙的吗？
我想开个新账户。
您填好申请表了吗？
填好了。而且，我也带了相关的文件。你要看我的护照吗？
好的。我让我的助理迅速浏览一遍这些文件，然后我们就可以进行下一步了。您是想要开一个活期账户和一个定期储蓄账户吗？
没错。活期账户是不是会附带一个借记卡？
对。实际上两个账户都有可以供您在自动取款机上使用的卡。这样您就不用到银行柜台来办理转账业务了。
这样很方便。
的确是。我们的客户都很喜欢这个服务。关于新账户您还有其它问题吗？
有。这个账户一次性透支额度的上限是多少？
最大额度是1000美元。
超过这个额度有罚金吗？
有，但是不太多。您需要支付总额的1%的利息。这比我们任何的一种贷款业务都要低得多，而且比大多数信用卡透支都要便宜。
您说的没错。我的文件处理好了吗？
都弄好了。只要您在这里签个名，三周左右就可以收到邮寄给您的卡和密码了。
非常感谢。
不用客气。
 

1 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

2 debit   

n.借方，借项，记人借方的款项

参考例句：

• To whom shall I debit this sum?此款应记入谁的账户的借方？
• We undercharge Mr.Smith and have to send him a debit note for the extra amount.我们少收了史密斯先生的钱，只得给他寄去一张借条所要欠款。

3 overdraft   

n.透支，透支额

参考例句：

• Her bank warned that unless she repaid the overdraft she could face legal action.银行警告她如果不偿还透支钱款，她将面临诉讼。
• An overdraft results when a note discounted at a bank is not met when due.银行贴现的支票到期而未能支付就成为透支。