生活英語情景口語:開辦新帳戶

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 savings account?
C: yes. Does the checking account come with a debit 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 overdraft?
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，有什麼能幫忙的嗎？
我想開個新賬戶。
您填好申請表了嗎？
填好了。而且，我也帶了相關的文件。你要看我的護照嗎？
好的。我讓我的助理迅速瀏覽一遍這些文件，然後我們就可以進行下一步了。您是想要開一個活期賬戶和一個定期儲蓄賬戶嗎？
沒錯。活期賬戶是不是會附帶一個借記卡？
對。實際上兩個賬戶都有可以供您在自動取款機上使用的卡。這樣您就不用到銀行櫃檯來辦理轉賬業務了。
這樣很方便。
的確是。我們的客戶都很喜歡這個服務。關於新賬戶您還有其它問題嗎？
有。這個賬戶一次性透支額度的上限是多少？
最大額度是1000美元。
超過這個額度有罰金嗎？
有，但是不太多。您需要支付總額的1%的利息。這比我們任何的一種貸款業務都要低得多，而且比大多數信用卡透支都要便宜。
您說的沒錯。我的文件處理好了嗎？
都弄好了。只要您在這裏籤個名，三週左右就可以收到郵寄給您的卡和密碼了。
非常感謝。
不用客氣。

I'd like to open a new account.
我想開個賬戶.

Can I have a statement, please?
能不能給我開一份對賬單.
Statement: 對賬單
Bank statement: 銀行對賬單

I'd like to transfer $1000 from my current account to my savings account.
我想把1000美元從活期轉到定期存款賬戶裏去.
Transfer: (使)搬遷,轉移
How can transfer money from my bank account to his?
怎麼才能把我賬戶上的錢轉到他的賬戶上呢?

They charge $4 commission.
他們收4美元手續費.
Commission: 佣金,手續費
He gets a 10% commission on everything he sells.
他從銷售的每件商品中得到百分之十的佣金.

Insert your card into the machine here.
把卡插入機器.
Insert: 插入;嵌入
He inserted the wooden peg into the hole.
他將木栓嵌入洞中.

Bank account 銀行賬戶

Debit card 借記卡

Overdraft 透支額

Current account 活期賬戶

Transaction 交易,辦理
He attends to the transaction of important business himself.
他親自料理重要的生意.
A record is kept of all the firm's transactions.
公司的一切交易都有記載.

Loan 貸款,借款
The bank made a loan of ten thousand pounds to the factory.
銀行貸給那家工廠一萬英鎊.