第29課 銀行開戶(下)
We need a 50-dollar initial deposit in order to open the account.我們需要50美金的初始存款以開設賬戶。
Please set up your 4-digit pin number. 請設置你的四位數密碼。
Tip:美國銀行卡密碼是四位數，而不是六位數。
Would you like to activate your online banking account? 你想激活你的網上銀行賬戶嗎？
Here are your online ID and temporary password. When you get home, you can log in your account and follow the directions on your computer to set up a permanent password. 這裏是你的網銀賬戶名和臨時密碼。回到家後，你可以登錄網銀賬戶並按照電腦上的指示操作去設置網銀的永久密碼。
With your online banking account, you can check your balance, view your transactions, transfer your money, and pay bills online instead of going to the bank. 網銀賬戶讓你不用去銀行，就可以在線查看餘額、交易信息和轉賬記錄，並支付賬單。
I’ll set up the account for you right now. Just give me five minutes to process the information. 我現在立刻會爲你設置銀行帳戶，給我五分鐘我就能處理好這些信息
You are all set. Here is your temporary debit card, which you can use for now. You will receive your permanent debit card in 7-10 business days. 銀行賬戶開設成功了。這是你現在可以使用的臨時借記卡。你將在7-10個工作日內收到你的永久借記卡。
Here are your documents. All the information related to your bank account and 10 free checks are inside. 這是你的文件。所有與銀行賬戶有關的信息和10張免費的支票都在裏面。
Is there a monthly maintenance fee for this account? 這個賬戶有月維護費嗎？
No，we don’t have any monthly maintenance fee. 不，我們不收取任何的月維護費。
Yes, there is a 12-dollar monthly maintenance fee. But you can avoid this fee if you maintain an average daily balance of $1,500. 是的，每個的月維護費爲12美金。但是如果你能保持賬戶裏平均每日有1,500美金餘額的話，則可以避免此費用。
Tip：大家在銀行開戶時，千萬要問清月維護費的數額和免除要求；要不然存個錢不僅一分錢利息拿不到，每個月還淨虧十幾美金。
Is there a surcharge if I withdraw money from out-of-network ATMs?
從非本銀行的自動取款機取款時收手續費嗎？
Yes, there is a 5-dollar surcharge per transaction.是的，每次交易(存取款)需要支付5美元的手續費。
