英语播客EnglishPod 94

 A:     Next, please. May I help you, sir?

 B:     Hello, yes, I’d like to open a bank account.

 A:    Certainly, I can can help you with that. What type
       of account would you like to open? A chequing or
       a savings¹ account?

 B:    What What features do they offer?

 A:    Well,  if  you  just  take  a  look  here,  see,  with  our
       chequing  account,  you  can  have  unlimited  daily
       transactions for a small monthly fee, and our sav-
        ings  account  has  a  higher  interest  rate,  but  you
        must  carry  a  minimum  balance  of  $  10,000  dol-
        lars.

 B:     I  see, well, I think I’m  more  interested in   a
       chequing  account;  I  like  to  have  easy  access  to
        my money.
 A:    Alright, then, with this chequing account you’ll be
        issued a debit² card and a cheque book.  Will you
        require overdraft³ protection? There is an extra fee
       for that.

 B:     No, that won’t be necessary.

 A:     In that case, I’ll get you to fill out this paperwork;
        I’ll  need  your  social  insurance  number,  and  two
        pieces  of  government  ID.  If  you  could  just  sign
        here, and here, and here; we’ll be all set.  Would
        you like to make a deposit today?

 B:    Yes, I’d like to deposit one billion dollars.
 

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。