标准美国英语口语 20 Banking（在线收听）

Unit 20 Banking

381.Pennys, nickels, dimes, quaters,and dollars.

382.Would you like to have a savings account or a chequing account or both?

383. A savings account pay interest on your money, but there are some restrictions.

384.If you have less than 500 dollars in your savings account,we were charging a 10 dollars monthly fee.

385.A chequing account allows you to withdraw money by either writing or unlimited number of cheques or through ATMs.

386.You can also pay for your purchases by writing cheques as long as your donot overdraw your count.

387.You can check the balance of the chequing account via phone.

388.Americans like to use cheques, credit cards, debit cards instead of cash.

389. How was the debit card different from the credit card?

390. Many businesses do not accept cheques from another states, but you can use traveler cheques when you travel to another state or country.

391.Debit card are very popular in the US.

392.I'd like to cash some traveller's cheques.

393.And ID, please.

394.How would you like it?

395.I need 8 one hundreds and the rest in tens, please.

396.Where is the currency exchage?

397.I'd like to change 35000 new Taiwan dollars into US dollars please.

398.What is the rate today?

399.Do you have an account with this bank?

400.Thank you for opening an accounts with our bank.

Conversation One: A class of the shorter for the homeless in the Megence

--How many pennies in a dollar?

--One hundred.

--How many pennies in a nicals?

--Five.

--How many dime in a dollar?

Ten.

How many pennis in a dime?

Ten.

How many pennis in a quater?

Twenty-five.

How many quaters in a dollar?

Four.

How many nickles in a dollar?

Twenty.

Very good,now let's try to working on the computers english stories program.

Ok, I am ready.

Conversation Two: Exchanging money in cashing travellers'cheques

Good morning,miss.

Good morning,sir.

Could you tell me please where can I find a currents exchange?

Right here,how can i help you today,sir?

I'd like to exchange 5000 Sigapore dollars into the US dollars please.

Do you have an account this bank,sir?

Yes,here is my account number.

May i please see ID?

Sure,here is my passport,by the way what is the rate today?

--Today's rate is 2.57 Sigapore dollars for 1 US dollar,here is your money,sir.Please count it and sign your name here.

--Yes,it is the credit demand.Where can I cash travellers' cheques?

--You can cash them here,how much do you want to cash?

--900 dollars.

--How would you like it?

--I like the 8 hundreds and the rest in 10s please?

--Ok,here you are.

--Thank you,have a nice day.

--Thank you,have a good day.

Conversation Three: Opening an bank account

--Good afternoon,what can i do for you today?

--Good afternoon, l'd like to open an bank account please.

--Would you like to be a savings account or the chequing account or both?

--I am not sure, what is the difference between the two accounts?

--Well,Savings account pays interest on your money, but there are some restrictions.

--What are these restrictions?

--You'll have to put in a minimum of 500 dollars, if you last 5 dollars in your savings account. We will charge you a 10 dollars monthly fee, also you are permitted to write two~per month to withdraw money for the savings account.

--Then what about the chequing account?

--The chequing account allows you to write the limited number of cheques or you will withdraw your money through ATMs, you pay for the printing cheques, that is all and with your chequing account isnot a debit card that you can use like the credit card, the interest paid for money in a chequing account is low, but our bank requires a minimun of only 100 dollars balance and the chequing account .

So I can write cheques to pay all kinds of the bills.

That is right. you can pay for you purchases by write cheques or using your chequing account debit card as long as you donot overdraw your account.

--That sounds good, in my country, people usually pay cash.

--Where are your originally from?

--China, I just move till last month, my husband is also chinese, but he grown up here. I am still learning about america.

--Well,welcome to america! You may seem a little confused first, be on catch a pretty quick, most americans used to like cheques, debit cards or credit cards instead of cash.

--How do i check the balance of my account?

--Our bank will send you a bank statement every month, and you can also check your balance via phone or internet.

Good,i guess i will get used to write cheques, ok, I think i will open a savings account and a chequing account.

Good,you need to order checks, 200 checks cost 15 dollars, here is a sample book, please pay when you like while ~ in four days.

Ok, I like this cheque style and here is the money, that is 500 dollars for the savings account, 1000 dollars for the chequing account, and 15 dollars for the cheque books.

--Good, I need to enter your name adress and phone number in the computer.

--My name is Dong Chen, my adress is Po box 300, MAXI mexigen 49855, my telephone number is 9068684433. Can I have my husband’s name on both accounts too?

--No problem! Both your name and your husband name with your address will be printed on the cheques.

--That is good, my husband name is Dolg Yu.

--Ok. Do you also wants two double cards? one for you and one for your husband? There is no charge for the debit cards.

--I am not sure. How is the dibit card different my credit card?

--There isn’t a lot of difference, you can use them pretty much in the same way except that a debit card has a pen number and the money is instant atomoatically taken of your cheque account, it is very convenient. When the banks closed on weekends, You can still withdraw money from or deposit money into both of your accounts in your debit card at ATM outside the bank,you can also pay for your purchases in most stores using a debit card, anyway, debit card is very popular in the US.

--Ok, I will take 2 debit cards.

--Here you are,you accounts pay number is a secret,you have to ~this open to learn what it is, here is my business card and for sure it is explain more about your new accounts if you have any questions please give me a call.

--Thank you so much for your help.

--You are welcome and thank you for opening an accounts with our bank, have a wonderful day!

--You too, goodbye!

--Goodbye!