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A：good morning. How can I help you?

早上好，有什么能幫忙的嗎？

B：I'd like to open a new account.

我想開個新賬戶。

A：have you filled out an application form?

您填好申請表了嗎？

B：yes. And I've brought some documents along with me, too. Do you need to see my passport?

填好了。而且，我也帶了相關的文件。你要看我的護照嗎？

A：yes. I'll just have my assistant look 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?

好的。我讓我的助理迅速瀏覽一遍這些文件，然后我們就可以進行下一步了。您是想要開一個活期賬戶和一個定期儲蓄賬戶嗎？

B：yes. Does the checking account come with a debit card?

沒錯。活期賬戶是不是會附帶一個借記卡？

A：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.

對。實際上兩個賬戶都有可以供您在自動取款機上使用的卡。這樣您就不用到銀行柜臺來辦理轉賬業務了。

B：that's very convenient.

這樣很方便。

A：it is. Our customers really like it. Do you have any other questions about your new accounts?

的確是。我們的客戶都很喜歡這個服務。關于新賬戶您還有其它問題嗎？

B：yes. What's the maximum amount that you are allowed to have in an overdraft?

有。這個賬戶一次性透支額度的上限是多少？

A：the maximum is $1000.

最大額度是1000美元。

B：is there a penalty for having an overdraft?

超過這個額度有罰金嗎？

A：yes, but it's not much. You just have to pay 1% interest on the ammount. It's much lower rate than any of our loans and it's much better than owing money to most credit cards.

有，但是不太多。您需要支付總額的1%的利息。這比我們任何的一種貸款業務都要低得多，而且比大多數信用卡透支都要便宜。

B：that's true. Is everything alright with my documents?

您說的沒錯。我的文件處理好了嗎？

A：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.

都弄好了。只要您在這里簽個名，三周左右就可以收到郵寄給您的卡和密碼了。

B：thank you very much.

非常感謝。

A：you're welcome.

不用客氣。