Marianne: I don't understand it. I got a notice from the bank that two of my checks bounced. I've never had an overdraft in my life.
玛丽安：我不明白 。银行通知我有两具空头支票 。我一辈子都没透支过 。
Jae: That doesn't sound like you. You're always so careful with your money.
杰：听起来不像你啊 。你对待金钱总是很仔细 。
Marianne: I am! I don't understand what happened.
Jae: Let me take a look at your bank statement. Okay, here are your deposits and withdrawals from last month. Did you know that your bank charges you a fee just to have a checking account?
杰：我来检查一下你的银行对账单 。好吧，这里有你上个月的存款与取款记录 。你知道吗，开支票帐户银行会收取费用 。
Marianne: It does? I didn't know that.
Jae: It looks like you also have a minimum balance requirement. If you fall below that, you get charged a fee.
杰：看起来你还办理了最低户口结余要求 。如果余额远远低于那个金额也要收费 。
Marianne: I do?
Jae: If it's like my checking account, you can avoid that by getting direct deposit for your paycheck. Did you also know that you get charged every time you use your ATM card to make a purchase?
Marianne: I didn't know that!
Jae: Well, that's what happened. Your bank is charging you fees for all of those things and after those fees were deducted, you were left with less money in your account than you thought.
杰：哎，真有这回事 。所有的业务银行都有收费，一扣除这些费用，你的账户余额就比你想象的要少 。
Marianne: That's so sneaky! How could they do that?
Jae: They count on you not reading the terms and conditions and not looking closely at your statements.
Marianne: I've had it! I'm moving banks. I'm taking my business elsewhere.
玛丽安：我受够了！我要换银行 。我要去别处办理业务 。
Jae: Oh, yeah? I know of a good bank.
Marianne: You do?
Jae: Sure, it's called the Bank of Jae. No fees-ever.
杰：当然，它就是“杰”银行 。绝不收取任何费用 。
Marianne: Yes, but would I ever see my money again?