Opening a Bank Account 到银行开账户

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职员:    早上好。请问,有什么可以帮你吗?

奥尔森夫人:是的,我和我丈夫刚从佛罗里达搬到这里。我们就住在这街上,看来你们是最近的银行。我想开设一个账户。

职员:    嗯,我们不仅是最近的银行,而且还是整个大都市地区最现代化,最便捷的银行。让我带您去看我们的新客户经理。格林女士(他带领她到窗边的桌子上。)您请在这里坐一会儿,格林女士一结束这通电话,她就会很乐意为您提供帮助。

格林女士:    早上好。我是埃德娜·格林。我今天能为您做什么?

奥尔森夫人:我是来为我和我丈夫开户的。我叫玛格丽特·奥尔森。

格林女士:    奥尔森夫人,您要开设一个联名帐户吗?

奥尔森夫人:是的,我们一直都有一个联名账户。告诉我您的支票帐户政策。是否有最低余额要求?

格林女士:    是,也不是。没有最低存款要求,但是如果您用五百美元或以上的资金开户,并且在任何时候都至少存入那么多钱,那么就不会收取服务费。另外,我们现在还为您的支票帐户支付利息,因此无需保留单独的储蓄帐户。

奥尔森太太:我不确定我是否明白这五百美元是什么意思。您能再给我解释一下吗?

格林女士:    当然可以。如果在报告期内任何时间帐户的最低余额低于500美元,则每月向其收取5美元的服务费。您可能只需要在帐户中保留3美元,但是如果您这样做了,那么我们会在月底向您收取5美元,因为该费用低于最低金额500美元。

奥尔森夫人:我明白了。现在,由于我们将在整个月内写支票,因此我们的余额每天都在变化。您将如何知道用于计算利息的金额?我也想知道您支付了多少利息。

格林女士:    价格有所不同。现在是百分之六它已低至百分之四点五至百分之七。我们的计算机将所有的每日数字相加,然后除以您的报告期内的天数。这就是您的平均每日余额。我们使用平均每日余额来计算您所赚取的利息,并将其自动记入您的帐户。利息会打印在您的月结单上,因此您会知道自己将其添加到支票簿中。所有银行费用和贷项都记录在您的月对帐单上。

奥尔森夫人:如果您的意思是5美元的服务费,我可以告诉您,我将尽力避免这种费用。我们应该一直能够在帐户中保持五百美元以上。

格林女士:    是的,这是银行的一种收费,但还有其他收费。您今天要订购的支票就是一个例子。我们将决定您要哪种支票,然后为您的帐户收费。它会出现在您第一个月的对帐单上。当然,如果因资金不足而退还您的支票,那也将收取费用。

奥尔森太太:您是说跳票吗?不幸的是,我曾经有过这样的经历。有一段时间,我丈夫和我都不小心记录我们写的支票。我们两次透支了帐户,支票被退回。不用说,我们很尴尬。这些天我们要更加小心。

格林女士:    您会惊讶地发现有多少人忘记记录他们写的支票。正如您所说,这通常是粗心的问题;没有人会故意跳票。说到支票,为什么我们不看看可用的各种样式?

奥尔森夫人:(她选择了她的支票,并填写了几种表格。)我想用1000美元的现金开立这个帐户。我用我们的旧帐户开支票,可以吗?

格林女士:    当然,只要您以前的银行中的帐户仍然有效。顺便说一句,由于您要开立一千美元的帐户,因此您可以选择显示在那张桌子上的礼物之一。该银行正在进行促销活动以吸引新客户。这是我们欢迎您并感谢您的生意的方式。

奥尔森夫人:谢谢。我喜欢那个旅行闹钟。谢谢你的帮助。我今天下午请我丈夫来这儿,以便他也可以在表格上签字。这样,我们俩都可以开始在新帐户上写支票。我刚下达的打印支票要花多长时间?

格林女士:    大约十天。在此,我希望您拿一本介绍我们所有服务的小册子。

奥尔森夫人:非常感谢。


讨论问题:

  1. 这对话是在哪里进行?由哪些人参加对话?

  2. 奥尔森夫人为什么选择这家银行?

  3. 银行的最低金额政策是什么?

  4. 跳票是什么意思?支票跳票时会出现什么样的事情?

  5. 格林女士为什么要给奥尔森太太送礼物?她选择了哪一件礼物?

  6. 什么是联合帐户?还有什么其他种类的账户?

  7. 支票账户和储蓄账户有什么区别?

  8. 银行出纳员的职责是什么?

  9. 用支票而不是现金付款有什么好处?

  10. 什么是旅行支票?如何使用?

  11. 由于这家银行向客户支付利息以将他们的钱留在那儿,那么银行如何赚钱呢?

  12. 贷款的程序是什么?

  13. 您的银行向客户支付什么利息?它向已贷款的客户收取什么利息?

  14. 什么是空白支票?它们有什么用?

  15. 您所在地区的银行提供哪些服务?他们服务的时间段是怎么样的?

Clerk:          Good morning. May I help you?

Mrs. Olson:   Yes, My husband and I have just moved here from Florida. We’re just down the street, and you seem to be the closest bank. I’d like to open an account.

Clerk:           Well, we ‘re not only the closest bank, but we’re also the most modern and convenient bank in the whole metropolitan area. Let me take you to our new accounts manager. Ms. Green. (He leads her to a desk near the window.) You sit here and as soon as Ms. Green is off the phone, she’ll be glad to help you.

Ms. Green:    Good morning. I’m Edna Green. What may I do for you today?

Mrs. Olson:   I’m here to open an account for my husband and myself. My name is Margaret Olson.

Ms. Green:    Do you want a joint account, Mrs. Olson?

Mrs. Olson:   Yes, we’ve always had a joint account. Tell me about your checking account policy. Is there a minimum balance required?

Ms. Green:    Yes and no. There is no minimum deposit required, but if you open your account with five hundred dollars or more and keep at least that much in it at all times, then there is no service charge. Also we now pay interest on your checking account, so there’s no need to keep a separate savings account.

Mrs. Olson:   I’m not sure I understand about the five-hundred-dollar part. Could you explain that to me again, please?

Ms. Green:    Of course. Accounts are charged a monthly service charge of five dollars if the minimum balance in them falls below five hundred dollars at any time during the statement period. You may keep as little as three dollars in your account, but if you do , then we charge you five dollars at the end of the month since it went below the five-hundred-dollar minimum.

Mrs. Olson:   I see. Now, since we’ll be writing checks through-out the month, our balance will vary from day to day. How will you know what amount to use to figure out interest? I’d also like to know how much interest you pay.

Ms. Green:    The rate varies. Right now, it’s six percent. It has gone as low as four and a half percent and as high as seven percent. Our computer adds all the daily figures and then divides by the number of days in your statement period. That’s called your average daily balance. We use the average daily balance to figure the interest you’ve earned and credit it automatically to your account. The interest is printed on your monthly statement so you’ll know to add it into your checkbook yourself. All bank charges and credits are recorded on your monthly statement.

Mrs. Olson:   If you mean that five-dollar service charge, I can tell you that I’m going to try to avoid that charge. We should be able to keep more than five hundred dollars in our account all the time.


Ms. Green:    Yes, that’s one type of bank charge, but there are others. The checks you’ll be ordering today are an example. We’ll decide what kind of checks you want and then charge your account for them. It will appear on your first month’s statement. Of course, if a check of yours should be returned for insufficient funds, there would be charge for that too.


Mrs. Olson:   Do you mean bouncing a check? Unfortunately, I once had that experience. For a time both my husband and I were careless about recording the check we had written. We overdrew our account twice and our checks bounced. Needless to say, we were embarrassed. We’re much more careful these days.


Ms. Green:    You’d be surprised at how many people forget to record the checks they write. As you said, it’s often a matter of carelessness; no one would bounce a check on purpose. Speaking of checks, why don’t we look at the various styles available?


Mrs. Olson:   (She chooses her checks and completes several forms.) I’d like to open this account with a deposit of one thousand dollars. Will it be all right if I write a check on our old account?


Ms. Green:    Certainly, as long as the account in your former bank is still active. By the way, since you are opening your account with one thousand dollars, you may choose one of the gifts which are displayed on that table over there. The bank is having a promotion to attract new customers. It’s our way to welcoming you and thanking you for your business.


Mrs. Olson:   Thank you. I like that travel alarm clock. Thank you for all your help. I’ll ask my husband to come by here this afternoon so that he can sign the forms too. That way we’ll both be able to start writing checks on our new account. How long will it take for the printed checks which I just ordered to arrive?


Ms. Green:    About ten days. Here, I want you to take one of our pamphlets which describes all our services.

Mrs. Olson:   Thank you very much.

Comprehension and Conversation Practice

1.      Where does this dialogue take place? What people take part in the dialogue?

2.      Why did Mrs. Olson choose this particular bank?

3.      What is the bank’s minimum balance policy?

4.      What does bouncing a check mean? What happens when a check bounces?

5.      Why did Ms. Green offer Mrs. Olson a gift? Which gift did she choose?

6.      What is a join account? What other kinds are there?

7.      What is the difference between a checking account and a saving account?

8.      What are the duties of a teller in a bank?

9.      What are the advantages of paying for purchases by check rather than in cash?

10. What are traveler’s checks? How are they used?

11. Since this bank pays its customers interest for keeping their money there, how does it make a profit?

12. What is the procedure for taking out a loan?

13. What interest does your bank pay to its customers? What interest does it charge its customers who have taken out a loan?

14. What are blank checks? How are they useful?

15. What are some of the services offered by banks in your area? What are their hours?