Dialogue
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.
Translation
早上好，有什么能帮忙的吗？
我想开个新账户。
您填好申请表了吗？
填好了。而且，我也带了相关的文件。你要看我的护照吗？
好的。我让我的助理迅速浏览一遍这些文件，然后我们就可以进行下一步了。您是想要开一个活期账户和一个定期储蓄账户吗？
没错。活期账户是不是会附带一个借记卡？
对。实际上两个账户都有可以供您在自动取款机上使用的卡。这样您就不用到银行柜台来办理转账业务了。
这样很方便。
的确是。我们的客户都很喜欢这个服务。关于新账户您还有其它问题吗？
有。这个账户一次性透支额度的上限是多少？
最大额度是1000美元。
超过这个额度有罚金吗？
有，但是不太多。您需要支付总额的1%的利息。这比我们任何的一种贷款业务都要低得多，而且比大多数信用卡透支都要便宜。
您说的没错。我的文件处理好了吗？
都弄好了。只要您在这里签个名，三周左右就可以收到邮寄给您的卡和密码了。
非常感谢。
不用客气。
Useful Expressions
I'd like to open a new account.
我想开个账户.

Can I have a statement, please?
能不能给我开一份对账单.
Statement: 对账单
Bank statement: 银行对账单

I'd like to transfer $1000 from my current account to my savings account.
我想把1000美元从活期转到定期存款账户里去.
Transfer: (使)搬迁,转移
How can transfer money from my bank account to his?
怎么才能把我账户上的钱转到他的账户上呢?

They charge $4 commission.
他们收4美元手续费.
Commission: 佣金,手续费
He gets a 10% commission on everything he sells.
他从销售的每件商品中得到百分之十的佣金.

Insert your card into the machine here.
把卡插入机器.
Insert: 插入;嵌入
He inserted the wooden peg into the hole.
他将木栓嵌入洞中.
Words
Bank account 银行账户

Debit card 借记卡

Overdraft 透支额

Current account 活期账户

Transaction 交易,办理
He attends to the transaction of important business himself.
他亲自料理重要的生意.
A record is kept of all the firm's transactions.
公司的一切交易都有记载.

Loan 贷款,借款
The bank made a loan of ten thousand pounds to the factory.
银行贷给那家工厂一万英镑.