生活英語口語:開辦新帳戶

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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，有什么能幫忙的嗎?

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(guān)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，然后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柜臺來辦理轉(zhuǎn)賬業(yè)務(wù)了。

這樣很方便。

的確是。我們的客戶都很喜歡這個服務(wù)。關(guān)于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?nèi)魏蔚囊环N貸款業(yè)務(wù)都要低得多，而且比大多數(shù)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。只要您在這里簽個名，三周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。