今天的这段对话，在讨论开办新账户，
 
去银行如何开办新账户？新账户一次性透支额度的上限是多少
 
来听今天的讲解:
 
A:  good morning. How can I help you?
 
早上好，有什么能帮忙的吗？
 
B:  I'd like to open a new account.
 
我想开个新账户。
 
A:  have you filled out an application form?
 
您填好申请表了吗？
 
B:  yes. And I've brought some documents along with me, too. Do you need to see my passport?
 
填好了。而且，我也带了相关的文件。你要看我的护照吗？
 
A:  yes. I'll just have my assistant looko 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。我让我的助理迅速浏览一遍这些文件，然后我们就可以进行下一步了。您是想要开一个活期账户和一个定期储蓄账户吗？
 
B:  yes. Does the checking account come with a debit card?
 
没错?；钇谡嘶遣皇腔岣酱桓鼋杓强?？
 
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.
 
对。实际上两个账户都有可以供您在自动取款机上使用的卡。这样您就不用到银行柜台来办理转账业务了。
 
B:  that's very convenient.
 
这样很方便。
 
A:  it is. Our customers really like it. Do you have any other questions about your new accounts?
 
的确是。我们的客户都很喜欢这个服务。关于新账户您还有其它问题吗？
 
B:  yes. What's the maximum amount that you are allowed to have in an overdraft?
 
有。这个账户一次性透支额度的上限是多少？
 
A:  the maximum is $1000.
 
最大额度是1000美元。
 
B:  is there a penalty for having an overdraft?
 
超过这个额度有罚金吗？
 
A:  yes, but it's not much. You just have to pay 1% interest on the account. 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。您需要支付总额的1%的利息。这比我们任何的一种贷款业务都要低得多，而且比大多数信用卡透支都要便宜。
 
B:  that's true. Is everything alright with my documents?
 
您说的没错。我的文件处理好了吗？
 
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。只要您在这里签个名，三周左右就可以收到邮寄给您的卡和密码了。
 
B:  thank you very much.
 
非常感谢。
 
A:  you're welcome.
 
不用客气。