有关银行账户情景对话

有关银行账户情景对话：开立储蓄帐户 Henry Samson is asking a clerk at the First National Bank about opening a regular savings account. 亨利·萨姆森在第一国民银行向一个职员询问有关开立普通储蓄帐户事宜。 Clerk:May I help you ,sir? 职员：我能为您做些什么吗?先生? Samson:Yes,please .I'd like to open a savings account .Can you give me some information? 萨姆森：谢谢，我想开立一个储蓄帐户。请您和我谈谈这方面的事，好 吗? C:Yes,I'd be happy to help you .We call our regular savings account plan passbook savings. 职员：好的，我很乐意为您服务。我们把我们的银行的普通储蓄帐户称 为银行存折储蓄。 You may open an account in your name only ,or a joint account with your wife. 您可以只用您自己的名字开立帐户，也可以与您的妻子开立共同帐户。 There is no minimum balance ,and you may make deposits or withdrawals at any time . 我们这里没存款最小余额的限制，而且可随时存款或取款。 S:Do I earn interest on the account ? 萨姆森：我能从帐户上得到利息吗? C:Yes,we pay the highest interest rate permitted for commercial banks . 职员：可以的。我们这里支付商业银行所允许的最高利率。 We credit the earned interest to your account automatically every quarter. 每个季度，我们会自动地把利息划入您的帐户的贷方。 S:Is it difficult to open an account?I mean ,do I have to be a regular customer of the bank? 萨姆森：开立一个帐户难吗?我是说，我必须是银行的老客户吗? C:No ,sir.not at all.All that's necessary is to fill out this signature card and make your initial deposit . 职员：不，先生，完全不必。您所需要做的只是填写一下这张签名卡， 并进行首次储蓄， Even a dollar is enough to open the account . 甚至一美元就可开立一个帐户。 S:Let's see .You want my name,address,occupation ,date of birth and Social Security number . 萨姆森：让我看看这张卡片。你要我填上姓名、住址、职业、出生日期 和社会保险号码。 What's this item here,"Mother's Maiden Name"? 母亲婚前姓名这一项是怎么回事? C:We ask that for identification purposes ,sir .It's a code word we use to positively identify you in case you lose your passbook or there is some other need for positive identification . 职员：我们要求这一姓名是为人便于辨别身份，先生。这是一个暗语， 万一您丢失了您的存折，我们可以用它来确切地辨别您的身份，或者由于某 种需要，用以准确地辨认身份。 S:I see.Well,let me fill this out and I'll open an account. 萨姆森：我明白了，那我就填写这张卡片，然后开立一个帐户。 有关银行账户情景对话：开立往来帐户 John Spence is asking a clerk at the First National Bank about current accounts. 约翰·斯彭斯正在向第一国民银行的一位职员询问有关往来帐户的事宜。 Spence:Would you please tell me something about current accounts? I've heard the term,but I'm not sure I understand what it means. 斯彭斯：您能给我讲讲有关往来帐户的事吗?我听说过这个术语，但是 我不完全明白它的含义。 Clerk:The term current account means a demand account .Actually ,a checking account. 职员：往来帐户这个术语就是活期帐户的意思。实际上，就是支票帐户。 Normally ,we use the term current or demand account when we talk about a checking account maintained by a business firm. 通常当我们谈论到由企业持有的支票帐房时，我们就使用往来帐户或者 活期帐户这样的术语。 S ： Oh ,so you mean that I can't open a current account as an individual? 斯彭斯：哦，您是说，作为个人，我不能开立往来帐户吗? C:No,I don't mean that.Anybody ,either a firm or an individual ,may open a current account, 职员：不，我不是那个意思。任何人，无论是企业还是个人都可以开立 往来帐户。 but we normally call individual accounts personal checking accounts .That's just a different name for them. 但是，我们一般称个人帐户为个人支票帐户，这仅仅是帐户名称不同而 已。 S:Why do you call them demand accounts ,then ? 斯彭斯：那么您为什么称他们为活期帐户呢? C:That means that the balances in the accounts are subject to withdrawal on demand. 职员：这就是说，帐户上的余额便于提取或者便于需要。 In other words,a written demand ,or a check ,is all that's necessary to make a withdrawal from the account . 换句话说，要想从帐户中提取，只需填写一张用款需求单或一张支票就 可以了。 S:Aren't all accounts like that ? 斯彭斯：并不是所有的帐户都是这样做的吧? C:No,sir .Time or savings accounts actually require a notice to the bank , 职员：是的，先生。定期存款帐户或储蓄帐户实际上都需要给银行一个 通知， usually seven days before the depositor has a right to make a withdrawal .In normal practice , 通常是七天前通知银行，存款人才有权力提取存款。 of course ,we usually waive notice and allow immediate withdrawals .In demand or current accounts , 当然，一般情况下，我们通常不必提前通知，并且允许立即提款。 however,we cannot ask for such notice . 然而，对于活期帐户或者往来帐户我们根本无权要求取款提前通知。