Opening-a-bank-account

Topic1:OpeningABankAccountTopic2:Passports&VisasYijunWang7thApril,[e-mail]Phrases:savingaccount/checkingaccountA:Iwouldliketoopenanaccounthere.ShouldItakeanumberfirst?B:Alright.Whatkindofaccountwouldyoulike?A:I’mnotsure.IguessIneedtohaveabasicsavingaccount.B:Yes,Anddidyouwanttohaveacheckingaccount.too?OpeningABankAccountPhrases:interestrate/exchangerateA:what’stheinterestrateforyourcheckingaccount?A:I’dliketoexchangesomeU.S.dollars.What’stoday’sexchangerate?B:Atthemoment,theexchangerateisveryfavorable,soyoushouldexchangeassoonaspossible.OpeningABankAccountPhrases:deposit…into/withdraw…from=takemoneyoutof…/transfer…from…to…A:CanIhelpyou/WhatcanIdoforyou,Sir?B:Yes,I‘dliketodeposit$10,000intomyaccount./withdraw…fromtheATM/transfer…fromsavingaccounttocheckingaccount.A:Noproblem.Pleasewaitamoment.I’llhandleitforyourightnow.OpeningABankAccountPhrases:cashcard/creditcardA:Doyouwanttouseacashcardwithyouraccount?B:No,thanks.I’vealreadygotacreditcard.Butmycreditcardisexpired.Canyourenewitforme?/Canmycreditlimitbeincreased?B:Yes,Ineedit.Bytheway,I’dliketoreportthelossofmycreditcardandcancelit.OpeningABankAccountContinues:creditcardA:Whatdoyouneedtodo?B:Ihavetopaymycreditbill.IfIdon’tpayitsoon,thecreditcardcompanywillchargemeinterest.A:Theirinterestratesareusuallyquitehigh.It’sagoodideatopayoffyourcreditcarddebtsbeforetheyattractinterest.OpeningABankAccountBankservices:traveller’schequesA:Whichserviceofferedbyyourbankdoyouusemost?B:Iuseseveralservices.Ioftenusemybanktoexchangemoneyfromonecurrencytoanother.A:Doyoueveraskyourbankfortraveller’scheques?Theyaremuchsaferthancarryinglotsofcasharound.B:Yes,butsometimesItraveltocountrieswheretheyarehardtoexchangeforcash.OpeningABankAccountBankservices:utilitybills/standingorders/mortgageA:Doyouuseyourbanktopayyourutilitybills?Iusedirectdebit.B:Yes,Ido.Itsavesmealotoftime.Ialsohavestandingordersformysubscriptionstomagazines.A:That’sagoodidea.Youdon’tneedtoworryaboutmissinganissueofmagazineifyoudothat.B:Isupposeyouhaveamortgage,too.A:Yes,Mybankoffersverygoodtermsandconditionsonmortgage.There’salotofcompetitionbetweenbanksnowadays.Eachoneistryingtoofferbetterconditionandservicesthantheothers.OpeningABankAccountBankservices:depositaccount/sharetradingserviceA:Ihaveadepositaccountwithmybank.Therearesomerestrictionsonwithdrawingmoney,buttheinterestrateismuchhigher.B:Idon’thaveone.Iprefertobuyshares.Mybankalsoprovidesasharetradingservice.It’scheapandeasytouse.A:That’sgreat.ButIprefertoputmymoneysomewherethereturnsaremorecertain.OpeningABankAccountBankservices:ATMcardA:HowdoyouuseanATMcard?B:Insertyourcardintothemachine.Thenwaitamoment.OK.NowyouenteryourPIN.Itshouldhavefournumbers.A:Ok.Thereareseveraloptionsonthescreen.B:Choosetheserviceyouneedtouse.Ifyouchoosetowithdrawmoney,themachinewillaskyouhowmuchyouwant.OpeningABankAccountBankservices:ATMcard(Continues)A:Icanjustentertheamountusingthekey,right?B:Ok.Givethemachineamomenttoprocessyourrequest.Thentakeyourmoney.A:It’snotverydifficulttouse.Infact,Iquitelikethem.Itismuchfasterthandealingwithabankclerk.Topic2:Passports&VisasYijunWang7thApril,[e-mail]&VisasKeyPhrasesEmbassy大使馆immigrant移民immigrationofficer移民官员goforaninterview参加面试fillinanapplicationform填写申请表格requestavisa申请签证getavisa拿到签证Passports&VisasKeyPhrasestouristvisa旅游签证businessvisa商务签证settlementvisa定居签证showyourI.D/birthcertificate出生证明handinanapplication提交申请processanapplication处理申请approveanapplication同意申请rejectanapplication拒绝申请Passports&VisasDialogue:A:HaveyouappliedforyourvisatogotostudyinU.Syet?B:Yes,Ihave.IhandinmyapplicationformtwoweeksagoandI’mgoingforaninterviewnextweek.A:GoodLuck!I’veheardit’sverydifficulttogetavisa.B:You’reright.Theapplicationformarequitecomplicated.Ittookmeafewhourstofillitout.Thehardestthingwasgettingallthenecessarydocuments.Ittookalmosttwoweeks.Passports&VisasDialogue:A:Whatkindofdocumentsdidyouneedtopresent?B:Ihadtoshowdocumentrelatingtomyfinancialstatusandofcoursemyeducation,becauseIwantastudentvisa.A:Whydoyouthinksomanypeoplehavetheirapplicationsrejected?B:Ithinkthattheydon’tcompletetheformscorrectlyortheydon’tincludealltherequireddocuments.Theembassyisverystrictaboutit.A:WhyaretheystricterwithChinesepeoplethanwithothernationalities?B:That’ssimple.ManyPeoplebreaktherulesregardingtheirvisaconditions.