Banking English ÒøÐÐÓ¢Óï 2005-12-31×÷Õߣºjl ÔĶÁ ±¾ÖÜ1´Î ×Ü87 ´Î Part 1 Something About the Bank ÒøÐÐÏà¹Ø±³¾°ÖªÊ¶ Ëæ׏ú¼Ê¼äÕþÖΡ¢¾­¼Ã¡¢ÎÄ»¯µÈ¸÷¸öÁìÓò½»Á÷µÄ²»¶ÏÀ©´ó£¬¹úÄڸĸ￪·ÅÕþ²ßµÄÈÕÒæÉîÈ룬ÒøÐÐÔÚÈËÃǵÄÈÕ³£Éú»îÖÐ×÷ÓÃÔ½À´Ô½´ó¡£²»¹ÜÊÇÔÚ¹úÄÚ»¹ÊÇÔÚ¹úÍ⣬ͬÒøÐдò½»µÀÒѾ­³ÉΪÈËÃÇÉú»îÖÐ˾¿Õ¼û¹ßµÄÊ¡£ Î÷·½¹ú¼ÒµÄÒøÐÐÌåϵ·Ç³£·¢´ï£¬ÆäÊýÁ¿Ö®¶à£¬Ð§ÂÊÖ®¸ß£¬·þÎñ·¶Î§Ö®¹ã£¬ÎÞ²»ÈÃÈ˸е½ÏÖ´úÎÄÃ÷´ø¸øÈËÃǵÄÖÖÖÖ·½±ãºÍÓÅÔ½¡£µçÄÔÒÑÔËÓÃÓÚ¸÷ÏîÒøÐÐÒµÎñ£¬´¢»§¿ÉÔÚÈ«¹ú¸÷µØͬһÒøÐÐÖ§ÐаìÀí¸÷ÏîÒµÎñ¡£¶øÇÒËùÓеÄÒøÐж¼ÉèÓÐ×Ô¶¯´æÈ¡»ú£¬¾ÍÊÇauto-bank£¬ÉèÔÚÒøÐÐÃÅ¿Ú£¬¸÷¸ö½ÖÇøµÄÖ÷Òª´ó½Ö£¬µØÌúÕ¾£¬³¬ÊÐÅÔ¡£Èç¹ûÄãÍâ³ö²»·½±ãЯ´ø´ó±Ê¿îÏֻÐ轫ÄãµÄ´æÕÛ»òÒøÐÐÐÅÓÿ¨ËæÉí´øÉÏ£¬¾ÍÄÜËæʱËæµØ´æÈ¡ÏÖ¿îÁË¡£ÕâÑù¼È·½±ãÓÖ°²È«¡£ ÏÈÀ´Á˽âһϹúÍâÒøÐеÄһЩҵÎñ³£Ê¶¡£Ê×ÏÈ£¬È¥ÒøÐÐ֮ǰ£¬ÏÈÒªÁ˽âÒøÐеÄӪҵʱ¼ä¡£Ó¢ÃÀÒøÐÐÒ»°ãÔÚÔçÉÏ9£º30¿ªÊ¼ÓªÒµ£¬ÏÂÎç4µã¹ØÃÅ¡£Ã¿ÖÜÎåÌ칤×÷ÖÆ£¬ÖÜÁùÖÜÈÕÐÝÏ¢¡£µ½ÁËÒøÐУ¬ÏÈÌî´æ¿î»òÈ¡¿îµ¥¡£²»¹ÜÓм¸¸öÈË£¬¶¼Òª×Ô¾õÅŶӡ£ÔÚ±ðÈË´æ¿î»òÈ¡¿îʱ£¬Äã±ØÐëÕ¾ÔÚÀëËûÒ»Á½Ã×Ô¶µÄµØ·½µÈºó£¬Ç§Íò²»ÒªÎ§ÔÚ´°¿Ú»ò±ðÈËÉíÅÔ¡£Ìýµ½ÓªÒµÔ±½Ðʱ£¬ÔÙ¹ýÈ¥°ìÀíÒµÎñ¡£È磺I¡¯d like to withdraw $300 from my account. ÎÒÏëÈ¡300ԪǮ¡£»òÕßI want to deposit $ 200 in my account. ÎÒÏë´æ200ÃÀÔª¡£Èç¹ûÄãÏëÔÚÕâ¼ÒÒøÐпª»§£¬¾Í¿ÉÒÔÕâÑù˵£ºMay I open an account here, please? ÎÒÏ뿪»§¡£ÓªÒµÔ±¾Í»áÎÊ£ºWhat type of account? ¿ªÄÄÒ»ÀàµÄÕË»§£¿ Ó¢ÃÀÒøÐÐÒµÎñÓֺܶàÖÖ£¬È磺»îÆÚ´æ¿îÕË»§£¬¾ÍÊÇ£ºchecking account£»¶¨ÆÚÕË»§£¬term/fixed deposit µÈµÈ¡£ÔÚ¹úÍâ¶ÌÆÚ¾ÓÁôµÄÈËÒ»°ãÀ´Ëµ°ìÒ»¸ö´¢ÐîÕÊ»§¾ÍÐÐÁË¡£ÕâÖÖÕË»§¼È·½±ã¡¢°²È«ÓÖʵ»Ý£¬ÒòΪÄÜ»ñµÃÒ»¶¨µÄÀûÏ¢ÊÕÈ룬ÆäËûÐÎʽµÄÕË»§Ò»°ãûÓÐÀûÏ¢£¬¶øÇÒÿµ±Ä㿪³öÒ»ÕÅ֧Ʊ£¬ÒøÐл¹Òª¿ÛÄãµÄ·þÎñ·Ñ£¬Ò²¾ÍÊÇservice charge. ´¢ÐîÕÊ»§ÓÖÁ½ÖÖÖ÷ÒªÐÎʽ£¬Ò»ÖÖÊÇ(daily interest) savings account /current account. Ï൱ÓÚÎÒ¹úµÄ»îÆÚ´¢Ð¿ÉÒÔËæʱ֧ȡ£¬¶øÇÒÓÐÀûÏ¢¡£ÁíÒ»ÖÖÊÇpremium savings account»òterm (fixed) deposit, Ï൱ÓÚÎÒ¹úµÄ¶¨ÆÚ´¢ÐÀûÏ¢ÊÇ×î¸ßµÄ¡£ »¹ÓÐÒ»µã¾ÍÊÇÔÚ°ìÀí¿ª»§ÊÖÐøʱ£¬ÓªÒµÔ±Ò»¶¨»áÈÃÄãÁôÏÂÇ×±ÊÇ©Ãû£¬signature£¬ÕâÊǽñºóºË¶ÔµÄÖØÒªÒÀ¾Ý£¬ËùÒÔÇ©Ãû×îºÃÊÇÐÅÊÖдÀ´£¬²»ÒªÒ»±ÊÒ»»®£¬ÒÔ·À±»±ðÈËÄ£·Â£¬¸ø×Ô¼ºÔì³É¾­¼ÃËðʧ¡£ °ìÍ꿪»§ÊÖÐøºó£¬Ò»°ãÀ´Ëµ¶¨ÆÚ´¢Ðîµ±³¡¾Í¿ÉÄõ½´æµ¥¡£»îÆÚ´¢ÐîÒ»°ãÏȸøÒ»±¾ÁÙʱ´æÕÛ£¬¹ýÒ»Á½Öܺó¾Í»áÊÕµ½ÒøÐмĸøÄãµÄËÜÁÏ¿¨£¬ÕâÕÅ¿¨ÉÏÓøÖÓ¡´òÓÐÄãµÄÃû×ÖºÍÕ˺ţ¬Äã¾Í¿ÉÒÔÓÃËü°ìÀíÄãµÄ´æÈ¡¿îÒµÎñÁË¡£ÎªÁË°²È«Æð¼û£¬ÄãÓ¦¸Ã¼ÇסÄãµÄ´æÕÛÃÜÂ룬Ȼºó½«ÆäÏú»Ù£¬ÒÔ·À²»²â¡£ Useful Words and Phrases: current deposit, current account »îÆÚ´æ¿î fixed deposit, fixed account ¶¨ÆÚ´æ¿î fixed deposit by installments Áã´æÕûÈ¡ joint account ÁªÃû´æ¿îÕÊ»§ to open an account ¿ª»§Í· to close an account, to clear an account ½áÇå to draw money È¡¿î drawing-out slip È¡¿îµ¥ the number slip ºÅÂëÅÆ a withdrawal form È¡¿îµ¥ to fill in the receipt in duplicate һʽÁ½·ÝÌîÕâÕÅÊÕ¾Ý teller, cashier ³öÄÉÔ± buying rate Âò½ø¼Û¸ñ selling rate Âô³ö¼Û¸ñ exchange table, conversion table »ã¶Ò»»Ëã±í foreign exchange Íâ»ã exchange rate Íâ»ãÂÊ conversion rate ÕÛºÏÂÊ foreign exchange restriction Íâ»ãÏÞ¶î foreign exchange quotations Íâ»ãÐÐÇé to check the rate for sb. ²éÅÆ¼Û currency, money »õ±Ò money changing ¶Ò»»»õ±Ò an exchange form ¶Ò»»µ¥ bank note ³®Æ± note of large denomination ´óƱ note of small denomination СƱ small change ÁãÇ® subsidiary money ¸¨±Ò nickel piece Äø±Ò plastic currency notes ËÜÁϳ®Æ± convertible money ¿É¶Ò»»£¨»Æ½ð£©Ö½±Ò interest rate ÀûÂÊ simple interest µ¥Àû compound interest ¸´Àû legal interest ·¨¶¨ÀûÏ¢ prime rate ÓÅ´ýÀûÂÊ payable interest Ó¦¸¶ÀûÏ¢ lending rate ´û¿îÀûÂÊ usury ¸ßÀû´û the subsidy rate for value-preserved savings ±£Öµ´¢Ðî²¹ÌùÂÊ account number ÕÊÄ¿±àºÅ depositor ´æ»§ pay-in slip ´æ¿îµ¥ a deposit form ´æ¿îµ¥ a banding machine ×Ô¶¯´æÈ¡»ú to deposit ´æ¿î deposit receipt ´æ¿îÊÕ¾Ý private deposits ˽ÈË´æ¿î certificate of deposit ´æµ¥ deposit book, passbook ´æÕÛ credit card ÐÅÓÿ¨ principal ±¾½ð overdraft, overdraw ͸֧ to counter sign Ë«Ç© to endorse ±³Êé endorser ±³ÊéÈË to cash ¶ÒÏÖ to honor a cheque ¶Ò¸¶ to dishonor a cheque ¾Ü¸¶ to suspend payment Ö¹¸¶ cheque,check ֧Ʊ cheque book ֧Ʊ±¾ order cheque ¼ÇÃû֧Ʊ bearer cheque ²»¼ÇÃû֧Ʊ crossed cheque ºáÏß֧Ʊ blank cheque ¿Õ°×֧Ʊ rubber cheque ¿Õͷ֧Ʊ cheque stub, counterfoil Ʊ¸ù cash cheque ÏÖ½ð֧Ʊ traveler¡¯s cheque ÂÃÐÐ֧Ʊ cheque for transfer תÕÊ֧Ʊ outstanding cheque δ¸¶Ö§Æ± canceled cheque ÒѸ¶Ö§Æ± forged cheque α֧Ʊ Bandar¡¯s note ׯƱ£¬ÒøƱ banker ÒøÐÐ¼Ò president Ðг¤ savings bank ´¢ÐîÒøÐÐ Chase Bank ´óͨÒøÐÐ National City Bank of New York »¨ÆìÒøÐÐ Hongkong Shanghai Banking Corporation »ã·áÒøÐÐ Chartered Bank of India, Australia and China Âó¼ÓÀûÒøÐÐ Banque de I¡¯IndoChine ¶«·½»ãÀíÒøÐÐ central bank, national bank, banker¡¯s bank ÖÐÑëÒøÐÐ bank of issue, bank of circulation ·¢ÐбÒÒøÐÐ commercial bank ÉÌÒµÒøÐУ¬´¢ÐîÐÅ´ûÒøÐÐ member bank, credit bank ´¢ÐîÐÅ´ûÒøÐÐ discount bank ÌùÏÖÒøÐÐ exchange bank »ã¶ÒÒøÐÐ requesting bank ίÍпªÖ¤ÒøÐÐ issuing bank, opening bank ¿ªÖ¤ÒøÐÐ advising bank, notifying bank ֪ͨÒøÐÐ negotiation bank Ò鸶ÒøÐÐ confirming bank ±£¶ÒÒøÐÐ paying bank ¸¶¿îÒøÐÐ associate banker of collection ´úÊÕÒøÐÐ consigned banker of collection ίÍÐÒøÐÐ clearing bank ÇåËãÒøÐÐ local bank ±¾µØÒøÐÐ domestic bank ¹úÄÚÒøÐÐ overseas bank ¹úÍâÒøÐÐ unincorporated bank Ǯׯ branch bank ÒøÐзÖÐÐ trustee savings bank ÐÅÍд¢ÐîÒøÐÐ trust institution ÒøÐеÄÐÅÍв¿ credit department ÒøÐеÄÐÅÓò¿ neighborhood savings bank, bank of deposit ½ÖµÀ´¢ÐîËù credit union ºÏ×÷ÒøÐÐ credit bureau ÉÌÒµÐËÐÅËù self-service bank ÎÞÈËÒøÐÐ land bank ÍÁµØÒøÐÐ construction bank ½¨ÉèÒøÐÐ industrial and commercial bank ¹¤ÉÌÒøÐÐ bank of communications ½»Í¨ÒøÐÐ mutual savings bank »¥Öú´¢ÐîÒøÐÐ post office savings bank Óʾִ¢ÐîÒøÐÐ mortgage bank, building society µÖѺÒøÐÐ industrial bank ʵҵÒøÐÐ home loan bank ¼ÒÕ¬´û¿îÒøÐÐ reserve bank ×¼±¸ÒøÐÐ chartered bank ÌØÐíÒøÐÐ corresponding bank ÍùÀ´ÒøÐÐ merchant bank, accepting bank ³Ð¶ÒÒøÐÐ investment bank Ͷ×ÊÒøÐÐ import and export bank (EXIMBANK) ½ø³ö¿ÚÒøÐÐ joint venture bank ºÏ×ÊÒøÐÐ credit cooperatives ÐÅÓÃÉç clearing house Ʊ¾Ý½»»»Ëù ¡£ Part 2 Open An Account ¿ªÉèÒøÐÐÕË»§ Dialogue Script 1 ¶Ô»°Ô­ÎÄ 1 Peter: Hi, Jenny. You look kind of worried. What¡¯s the matter? Jenny: Oh, so good to see you! I just got my first scholarship payment. Peter: That¡¯s great. Jenny: Yes, but instead of cash, I got a check. I don¡¯t know what to do with it. I can¡¯t buy anything with a check, can I? Peter: No, you can¡¯t. First, you need to deposit the check in a bank, then pay your bills by check and get some cash with your ATM card. Jenny: But I don¡¯t have either check or an ATM card. It¡¯s so inconvenient! Peter: It isn¡¯t. Everything is managed by a computer network. If you open an account in a local bank, you can deposit or get money from any ATM all over the city or the country; or even around the world, for that matter. We have three or four ATM machines right here on the campus. You can even get free software from the bank and pay your bills online. So it¡¯s actually very convenient. Jenny: I really appreciate the information. I¡¯ll go to open an account right now. Peter: Don¡¯t forget to take your social security card. You do have one, don¡¯t you? Jenny: Yes, I do. As soon as I arrived in the States, a friend helped me apply for one from the social security office, but I never knew what it was for. Peter: It¡¯s for identification. When you picked up your paycheck, didn¡¯t they ask for your social security number? Jenny: Oh, yes, they did. But I couldn¡¯t remember the number so I had to fish around in my bag to find the card. Peter: Well, I¡¯d learn the number by heart if I were you. You¡¯ll need it pretty soon. Jenny: OK, I see. Peter: Good luck at the bank. See you later. Jenny: Thanks for your help, bye. ½²½â£º 1. ÔÚÕâ¶Î¶Ô»°ÖУ¬Peter½¨ÒéJennyÈ¥ÒøÐпªÒ»¸öÕË»§£¬ÕâÑùÓÃÆðÇ®À´»á±È½Ï·½±ã¡£Peter¼ûJennyÐÄÊÂÖØÖصģ¬ÎÊËýÔõô»ØÊ£¬Jenny˵I just got my first scholarship payment. ÎÒ¸ÕÄõ½ÎҵĵÚÒ»±Ê½±Ñ§½ð¡£scholarship, ÊÇÖ¸½±Ñ§½ð¡£Áìµ½Á˽±Ñ§½ð£¬ÎªÊ²Ã´»¹»áÐÄÊÂÖØÖØÄØ£¿ 2. ÒòΪJennyÊÕµ½µÄÊÇÒ»ÕÅ֧Ʊ£¬¶ø²»ÊÇÏÖ½ð¡£Ö§Æ±ÊÇcheck, ÏÖ½ðÊÇcash, ÊÇÒ»¸öͳ³Æ¡£ÆäÖл¹°üÀ¨bills »ònotes, Ö¸³®Æ±£¬Ö½±Ò¡£coinsÖ¸Ó²±Ò¡£ÀýÈ磺Excuse me, but I¡¯ve no cash on me. Can I pay by check? ¶Ô²»Æð£¬ÎÒÉí±ßû´øÏÖÇ®£¬Äܲ»ÄÜÓÃ֧Ʊ֧¸¶£¿cashÕâ¸ö´Ê²»½ö¿ÉÒÔ×öÃû´Ê£¬»¹¿ÉÒÔ×ö¶¯´Ê£¬±íʾ¡°¶Ò»»»ò¶ÒÏÖ£¬°Ñ¡­»»³ÉÏֿ£¬ÀýÈ磺I¡¯d like to cash this check. ÎÒÏë¶ÒÏÖÕâÕÅ֧Ʊ¡£¾ÍÊÇ°Ñ֧ƱÉϵÄÊýÄ¿¶Ò»»³ÉÏֽ𡣠3. ÕâÑùµÄ֧ƱÊDz»ÄÜÓÃÀ´Ö±½ÓÂò¶«Î÷µÄ£¬Jenny¾Í²»ÖªµÀÔõô°ìÁË£¬I don¡¯t know what to do with it. What to do with somethingºÍ how to deal with something¶¼±íʾ¡°ÈçºÎ´¦ÀíijÊ¡±£¬µ«ÊǶ¯´ÊÒ»¸öÓõÄÊÇdo,Ò»¸öÓõÄÊÇdeal, ´ó¼ÒҪעÒâÇø·ÖÁË¡£ 4. Peter ¸æËßJenny˵ҪÏÈ°Ñ֧Ʊ´æÔÚÒøÐÐÀȻºóÓÃ֧Ʊ¸¶ÕË»òÓÃ×Ô¶¯Ìá¿î¿¨ÌáÈ¡ÏÖ½ð¡£deposit£¬´¢Ð´æ·Å¡£ÀýÈ磺She deposited her money in the bank. Ëý°ÑÇ®´æÔÚÒøÐÐÀï¡£ ÄÇÈ¡¿î¾ÍÊÇwithdraw£¬ÀýÈ磺He withdrew $500 from his bank account yesterday. Ëû×òÌì´ÓÒøÐÐÕË»§ÀïÌáÁË500ÃÀ½ð¡£ 5. ATM card, ×Ô¶¯Ìá¿î»ú¿¨£¬ATM ÊÇ×Ô¶¯Ìá¿î»ú£¬Ò²¾ÍÊÇautomatic teller machineµÄ¿ªÍ·×ÖĸËõд¡£teller, ¾ÍÊÇÔÚÒøÐд°¿Ú¹¤×÷µÄÓªÒµÔ±¡£Jenny¼ÈûÓÐ֧ƱҲûÓÐ×Ô¶¯Ìá¿î»ú¿¨£¬ÒòΪËý¾õµÃÕâÁ½Ñù¶«Î÷¶¼²»ÊǺܷ½±ã¡£µ«ÊÇPeterÈ´²»ÕâÑùÈÏΪ£¬ÒòΪֻҪÔÚÒ»¸öÒøÐпªÁË»§£¬¾Í¿ÉÒÔÔÚÈ«ÊС¢È«¹úÉõÖÁÈ«ÊÀ½çµÄÁªÍøÖ§ÐÐÀï´æÈ¡¿î¡£open an account, ¾ÍÊÇ¿ª»§£¬close an account, ¾ÍÊÇÏú»§¡£ 6. ÉõÖÁ»¹¿ÉÒÔ´ÓÒøÐÐÄÇÀïµÃµ½Ãâ·ÑµÄÈí¼þÔÚÍøÉϸ¶¿î¡£Êµ¼ÊÉÏÕæµÄÊǺܷ½±ã¡£Peter»¹ÌáÐÑJenny¿ª»§²»ÒªÍüÁË´øÉç»á±£ÏÕ¿¨£¬social security card£¬ÔÚÃÀ¹ú¾ÍÏ൱ÓÚÉí·ÝÖ¤£¬¾­³£ÒªÓõ½¡£social security number, Éç»á±£ÏÕºÅÂ룬¾ÍÏñÎÒÃǵÄÉí·ÝÖ¤ºÅÂ룬¿ÉÄÜËæʱҪÓõ½£¬ËùÒÔÓ¦¸Ã¼Çס¡£µ«ÊÇJenny×ÜÊǼDz»×¡£¬Ã¿´ÎÓõÄʱºò¶¼ÒªÔÚ¶µ×ÓÀï·­°ëÌì²ÅÄÜÕÒµ½£¬ÔÚ¡­·­¶«Î÷£¬ÕâÀïÓõÄÊÇfish aroundÕâ¸ö´Ê×é¡£ÀýÈ磺He was fishing around his pocket for the keys. ËûÔÚ¶µÀï·­À´·­È¥ÕÒÔ¿³×¡£ 7. PeterÈ°JennyÒ»¶¨Òª°ÑÉç»á±£ÏÕºÅÂëÀÎÀμÇס£¬learn something by heart, °Ñ¡­¼ÇÔÚÐÄÀÀÎÀμÇס¡£You¡¯ll need it pretty soon. ÄãÂíÉϾÍÒªÓõ½Ëü¡£ÕâÀïµÄpretty£¬²»ÊÇÒ»¸öÐÎÈÝ´Ê£¬¶øÊÇÒ»¸ö¸±´Ê£¬ÊÇ¡°·Ç³£¡±µÄÒâ˼£¬¸úso ²î²»¶à¡£ Dialogue Script 2 ¶Ô»°Ô­ÎÄ 2 Teller: Can I help you? Sam: Yes. I¡¯d like to open an account, please. Teller: What sort of account did you have in mind? Sam: I need a checking account to pay my bills. Can you tell me how it works? Teller: Sure. You get a paycheck or a scholarship check made out to you, with the amount due to you, say $ 2,500. You sign your name on the back of the check, mark it "for deposit only"---so no one can cash the check if you lose it---and deposit in your account. You can do that either by mail, or here in the bank with a deposit slip during bank hours, or at any ATM machine twenty-four hours a day. Sam: That sounds easy. Then what? Teller: Then you send a check to your landlord for the rent, to the gas and electricity and phone and cable TV companies---whatever. Companies generally include return envelopes with their bills, so you put in your check, stamp the envelope, and drop it in the mail. Sam: I¡¯m with you so far. Teller: Be sure to keep a record of your checks you write in this check register, then add up your checks and deduct the amount from our account balance. Make sure you have more money in your account than needed for the checks your write, in case there are any fees. Sam: What happens if I make a mistake. Teller: It¡¯s very expensive to bounce a check. You¡¯ll be charged by the bank and again by the person or company to whom you gave the bad check. Sam: I see. Teller: If you have access to a computer, you can pay most of your bills online instead of by mail with software we provide to you for free. Sam: Is it very complicated? Teller: Not at all. I¡¯ll show you later how it works. First fill out these forms, print your name and social security number here, and here, and sign your name here, and here, and we¡¯ll be all set. ½²½â£º 1. ¶Ô»°ÖÐSamÏëÒª¿ªÒ»¸öÒøÐÐÕË»§£¬ÔÚѯÎÊÓªÒµÔ±¸ÃÈçºÎ°ìÀí¡£ÓªÒµÔ±ÎÊ£¬ÄãÏ뿪һ¸öʲôÀàÐ͵ÄÕË»§£¬What sort of account did you have in mind?£¬¾ÍÏñÎÒÃÇÔÚµÚÒ»²¿·ÖÀï˵µÄ£¬ÒøÐеÄÕË»§ÓֺܶàÖÖÀàÐÍ£¬¿ªÖ®Ç°Ò»¶¨ÒªÏëÇå³þ¡£ 2. Sam˵Ï뿪һ¸ö»îÆÚÕË»§À´Ö§¸¶Õ˵¥£¬¾ÍÊÇchecking account£¬Ò²¿ÉÒÔ˵current account ¡£Õâ¸ö¹ý³Ì±È½Ï¸´ÔÓ£¬ÎÒÃÇÀ´Ò»¾äÒ»¾äµÄ½âÊÍ¡£ÓªÒµÔ±¸æËßSam±ÈÈç˵ÄãÓÐÒ»ÕŹ¤×Ê֧Ʊ»òÕß½±Ñ§½ð֧Ʊ£¬¾ÍÊÇYou get a paycheck or a scholarship check made out to you, ֧ƱÉÏ×¢Ã÷ÁËÄãÓ¦µÃµÄÏÖ½ðÊý¶î£¬±ÈÈç˵ÊÇ2500ÃÀÔª°É£¬with the amount due to you, say $ 2,500. 3. È»ºóÔÚ֧ƱµÄ±³ÃæÇ©ÉÏÄãµÄÃû×Ö²¢×¢Ã÷¡°Ö»Òª´¢ÐµÄ×ÖÑù£¬Ö§Æ±¾Í´æÈëÄãµÄÕË»§ÁË¡£You sign your name on the back of the check, mark it "for deposit only" and deposit in your account. ÕâÑù×öÊÇÒòΪ¼´Ê¹°Ñ֧ƱŪ¶ªÁË£¬Ò²Ã»ÈËÄÜ°ÑËü¶ÒÏÖ¡£so no one can cash the check if you lose it¡£Äã¿ÉÒÔͨ¹ýÓʼĵÄÐÎʽ°ìÀí´æ¿îÊÖÐø£¬Ò²¿ÉÒÔÔÚÒøÐÐӪҵʱ¼äÇ××ÔÀ´°ìÀí¡£»òÕßÒ»Ìì24СʱÖеÄÈκÎʱ¼ä¶¼¿ÉÒÔÔÚ×Ô¶¯Ìá¿î»úÉÏ°ìÀíÊÖÐø£¬¿´À´ÕæµÄÊǺܼòµ¥°¡¡£ 4. SamÒ²ÕâÑùÈÏΪ£¬¿ª»§Ö®ºóSam¾Í¿ÉÒÔ¿ªÖ§Æ±¸ø·¿¶«Ö§¸¶·¿×⣬¸¶Ë®µçúÆø·ÑµÈµÈ¡£Sam¶¼ÌýÃ÷°×ÁË£¬Ëû˵I¡¯m with you so far. ÕâÔÚ¿ÚÓïµ±ÖÐͦ³£Óõģ¬±ÈÈçÔÚÉϿεÄʱºò£¬ÀÏʦ»áÎÊ£¬Are you still with me? ÄãÃÇÌýÃ÷°×ÎÒ½²µÄÁËÂð£¿ÓªÒµÔ±½¨ÒéSamÒ»¶¨ÒªÔÚ֧Ʊ¼Ç¼²¾ÉϼÇÏÂËùÓеÄÕËÄ¿£¬Èúó°ÑÕËÄ¿¼ÓÒ»¼Ó£¬ÔÚ´Ó½áÓà¶îÖмäÈ¥¼õÈ¥ÄÇЩ֧³ö¡£account balance. ¾ÍÊÇÕË»§½áÓ࣬Óà¶î¡£ 5. Èç¹ûÇ©´íÁ˵Ļ°£¬Ö§Æ±±»¾Ü¸¶¶øÍË»¹¸ø¿ªÆ±ÈËÊÇÒª¶îÍâµÄ·ÑÓõġ£ËùÒÔÒ»¶¨Òª¿´×ÐϸÁË¡£bounce a check£¬¾ÍÊǾܸ¶Ö§Æ±¡£Ò»°ãÇé¿öÏ£¬Èç¹û´¢»§ÊǵÚÒ»´ÎÔÚ¸ÃÒøÐаìÀí¿ª»§ÊÖÐø£¬ÓªÒµÔ±¶¼»á×öºÜÏêϸµÄ½â˵£¬ËùÒÔ´ó¼Ò²»ÒªÐĻţ¬Ö»ÒªÈÏÕæ°´Ëû˵µÄ²½ÖèÀ´½øÐоͿÉÒÔÁË¡£¡£ Part 3 Useful Sentences At Bank ÓÐÓþäÐÍ ÏÂÃæÎÒÃÇÀ´×ܽáÒ»ÏÂÔÚ°ìÀíÒøÐи÷ÖÖÒµÎñʱÓÐÓõľäÐÍ¡£ ¿ª»§ What kind of account did you have in your mind? ÄãÏ뿪ÄÄÖÖÕÊ»§? Do you like to open a current account? ÄãÏ뿪һ¸ö»îÆÚ´æ¿îÕÊ»§Âð? A deposit or current account? ¶¨ÆÚ»¹ÊÇ»îÆÚ? Please tell me how you would like to deposit your money. Çë¸æËßÎÒÄãÏë´æºÎÖÖ»§Í·? There¡¯s a service charge for the checking account but no charge for the savings. ֧Ʊ»§Í·ÒªÊÕ·þÎñ·Ñ£¬ÏÖ½ð»§Í·²»ÊÕ¡£ Our minimum deposit for a savings account is 100 dollars. ÎÒÃÇ´¢Ðî´æ¿îµÄ×îµÍ´æ¿î¶îÊÇ100ÃÀÔ²¡£ Five yuan is the minimum original deposit. ×îµÍÆð´æ¿î¶îÊÇ5Ôª¡£ You can open a savings account at any time with an initial deposit of 50 dollars. Ä