at-the-bank

AttheBankBanksinChina银行名称•ThePeople’sBankofChina•BankofChina•TheIndustrialandCommercialBankofChina•TheConstructionBankofChina•TheAgriculturalBankofChina•TheBankofCommunications•ChinaMerchantsBank•HuishangBank•ChinaCiticBank•IndustrialBankCo.Ltd.•ChinaEverbrightBank•SPDBank•中国人民银行•中国银行•中国工商银行•中国建设银行•中国农业银行•交通银行•招商银行•徽商银行•中信银行•兴业银行•光大银行•上海浦发银行Words•Passbook/bankbook存折•Savingsaccount储蓄账户•Currentaccount活期账户•Certificateofdeposit定期账户•checkaccount支票账户•Withdrawal取款•Certificate存单•Mature到期•Balance余额•Transfer转帐•Openanaccount开户•exchangerate汇率•counterfeitbanknote假币•in(by)installments分期•annualinterestrate；dailyinterestrate年利率，日利率•fixedinterest；variableinterest固定利息，可变利率•personalaccount个人账户•overdrawnaccount透支账户•overduepayment逾期付款•depositslip存款单•pin密码Notes•一般“个人”在国外银行开设账户，依性质不同主要分为下列几种：1）普通支票账户（CheckingAccount）；一般无息2）活期储蓄账户（SavingsAccount）；一般固定利率3）定期储蓄账户（timedeposit或CertificateofDeposit简称CD）；固定利率4）浮动利率账户（MoneyMarketAccount）；也算活期储蓄账户的一种，但利率随行就市每日调整•Atimedeposit(alsoknownasacertificateofdepositintheUnitedStates,atermdeposit,particularlyinCanada,AustraliaandNewZealand;abondintheUnitedKingdom;FixedDepositsinIndiaandinsomeothercountries)isamoneydepositatabankinginstitutionthatcannotbewithdrawnforacertaintermorperiodoftime(unlessapenaltyispaid)Openinganaccount•DIALOGUE1:video•Clerk：CanIhelpyouwithsomething?•John：Yes,Iwouldliketoopenanaccountwithyourbank.•Clerk：Doyouwantacheckingaccountorasavingaccount?•John：Actually,Iwantboth.•Clerk：Pleasefillouttheseforms,first.•John：Hereyouare.•Clerk：MayIseeyourID,please?•John：Hereyouare.•Clerk：Pleasesignonbothsignaturecards.•John：DoIhavetomakeaminimumdepositin•ordertoopenanaccount?•Clerk：Yea.Foracheckingaccount,theminimumisfivehundreddollars.Forasavingsaccount,itdependsonthetypeofaccountyouwishtoopen.•DIALOGUE2：•A：CanIhelpyousir?•B：Iwanttoopenasavingsaccount.Whatistheproperprocedure?•A：First,youshouldfillouttheapplicationform,thenwe’llissueyouapassbook.Bytheway,whatkindofaccountdoyouwant?Depositorcurrent?•B：Acurrentaccount.Isthereanyminimumforthefirstdeposit?•A：No.pleasefillinthisform.•B：Couldyoutellmethecurrentinterestrate?•A：Thecurrentinterestrateforacurrentaccountis2.16%peryear.•B：Isee.Hereisthecompletedformandthemoney.•A：Andhereisthepassbookforyou.•B：Thankyouverymuch.•A：Itismypleasure.DIALOGUE3：OpeningaCheckingAccount•A:Hello,isthereanythingIcandoforyou?•B:Iwanttoopenacheckingaccount.•A:Doyouhaveanyotheraccountsinthisbank?•B:Ihaveasavingsaccount.•A:What’syouraccountnumber?•B:It’s124576542.•A:Thanks.Wouldyoupleasefilloutthisformfirst?•B:Doyouchargeforchecks?•A:Yes.Eachcheckyouwritewillcost15cents.•B:I’dliketotransfer1,000dollarsfrommysavingsaccounttomynewcheckingaccountastheoriginaldeposit.•A:OK.•B:CouldIhavethecheckbooknow?•A:No.Itwillbemailedtoyouinfivedays.•B:Thankyouforyourhelp.•A:You’rewelcome.UsefulSentences•Iwouldliketoopenanaccount•Whatkindofaccountdoyouwant?•What’stheprocedureforopeningacheckingaccount?•DoIhavetomakeaminimumdeposit?•Whichaccountgivesthehighestinterestrate?哪样的账户得到最高的利息•WhatfeeswillIbecharged?怎么收费？•Thereisamaintenancefeeof$100perannum账户年费100元MakingDeposits•DIALOGUE1:A：Nicetoseeyou.HowcanIhelpyou?•B：Iwanttoputsomemoneyintomyaccount.•A：Howmuchdoyouwanttodeposit?•B：2,000RMByuan.•A：Pleasefilloutadepositslip.Writedownyournameandtheamountofdeposit.•B：Okay.•A：Wouldyoupleasepassmeyourpassbookwiththedepositslip?•B：Hereyouare.•DIALOGUE2:•A:Hello.CanIhelpyou?•B:Couldyoutellmetheinterestrateforthesavingsaccount?•A:Theinterestrateforthesavingsaccountis1%andtheinterestisaddedtoyouraccounteverymonth.•B:Iwanttodepositsomemoneyinmyaccount.•A:Howmuchdoyouwanttodepositwithus?•B:1,000dollars.•A:Couldyoushowmeyourbankbookanddepositslip?•B:Hereyouare.•A:That’sit.Hereisyourreceiptandthebankbook.•B:Manythanks.•A:It’smypleasure.UsefulSentences•Hi,Iwouldliketodepositsomemoney.•Howmuchdoyouwanttodepositwithus?•Howmuchdoyouwishtopayintoyouraccount?•Howmuchmoneydoyouplantokeepinyouraccountonaregularbasis?•Howmuchcashdoyouplantodepositinyouraccount?•What’stheinterestrateforthecurrentaccount?MakingaWithdrawal•DIALOGUE1:VIDEOMary:I’dliketomakeawithdrawal.•Clerk:Howmuchwouldyoulike?•Mary:Couldyoufirstcheckthebalanceleftinmycheckingaccount,please?•Clerk:I’llwriteitdownforyou.•(theclerkhandsasliptoMary)•Mary:Oh,ok.Hmm…inthatcase,I’lljusttakeout$800•Clerk:Pleasefilloutthiswithdrawalslip.•Mary:Hereyouare.•Clerk:MayIseeyourIDplease?•Mary:Oh,sure.•Clerk:Howwouldyoulikeyourmoney?•Mary:CouldIhavefivehundreds,twofifties,andtherestintwenties,please?•Clerk:Certainly.Hereyouare.•DIALOGUE2:A:CanIdoanythingforyou?B:Yes,Ihaveamaturedcertificateoftermdepositof5thousandyuan.CanIwithdrawmydeposit?A:Yeah,wecanpayitforyounow.B:ButcanIrenew续存someofthedeposit?A:Sure,youcanrenewitifyouwish.Howdoyouwishyourdepositbepaid?B:Well,I’dliketogettwothousandyuanincashandkeeptheleftpartonone-yearmaturity.Here’sthecertificate.A:Ok.Whattheinterest?B:Ialmostforgetthat.Justcashit.A:WouldyoupleasegivemeyourIDcard?B:Yes.Hereyouare.•DIALOGUE3:•A:Hello,canIdoanythingforyou?•B:Iwanttowithdraw500dollarsfrommysavingsaccount,please.•A:Pleasefi