new wordsservice n.account n.procedure n. regular a.passbook n.saving n.signature n.initial a. deposit n.,vt.withdrawal n.transaction n.interest n.teller n. majority n.semiannually adv.credit n. vt.compound vt.单词服务, 业务账户；账（目）程序, 手续定期的银行存折存款，储蓄签名, 署名最初的, 初始的存款收回；取款办理, 交易, 业务利息（银行）出纳员多数, 大半每半年信用, 贷方, 银行存款 记入账户的贷方以复利计算利息phrases and expressionschecking accountsregular passbook savingssavings accountsignature cardevery six monthswithdrawal order短语与词组支票账户定期存折储蓄账户印鉴卡每隔六个月取款单
notes
1.if you went to a bank to open a savings account, you would go through almost the same procedures followed in applying for a checking account. 如果你到银行开立储蓄账户，你会经历与申请支票账户所需的相同手续。
(1)open a savings account开立储蓄账户
account n.①a formal banking, brokerage, or business relationship established to provide for regular services, dealings, and other financial transactions.账户：为提供定期的服务，交易，和其他金融活动而建立的正式银行业务， 经纪业或商业关系
②a precise list or enumeration of financial transactions.账：关于经济活动的确切清单或数据
(2)go through the (same) procedures办理（相同的）手续
go through:to experience:经历
例：we went through hell while working on this project.
执行这一计划时我们经历了许多困难
(3)…followed in applying for a checking account此句是由过去分词followed引导的分词短语，在句中作后置定语，修饰前面的procedures。
2.all you would have to do is to fill out a withdrawal order and present it, along with your passbook, to the teller. 你需要做的事情就是填写取款单，然后将它和存折一起递交给银行出纳员。
(1) 句中的all (you would have to do)是主语，(that)you would have to do是定语从句。当被修饰的词是all，everything等词时，只能用关系代词that，不用which，而且在绝大多数情况下省略关系代词。
例：all you have to do is to press the button.
你只要把电钮一按就行了。
(2)句中的to fill out a withdrawal order…作表语。
(3)句中的"along with与…一道"作状语，表示伴随情况。
3.the interest rate varies from bank to bank, but the general range is from 4 1/2 to 6 percent. 各银行的利率也不一样，但变化范围通常在年利率4 1/2%到6%之间。
(1)interest: a charge for a loan, usually a percentage of the amount loaned.利息：使用贷款的费用，通常以贷款数量的百分比计息
interest rate利率：利息与本金之比
(2) vary vi.to be different; deviate:不同，偏离：
例：vary from established patterns of behavior
从已经建立的行为模式偏离
(3)range: n.an amount or extent of variation:变动的范围：变化的数量或程度：
例：a wide price range.
极大的价格变化范围
4 1/2%=4.5%
4.this interest would automatically be credited to your account; and if you left it in the bank, along with your original deposit, you would receive interest on $1,022.50 for the next six-month period. 如果你不支取，它将并入原有的存款，在以后的六个月里，你将得到按本金1,022.50美元计算的利息。
(1)the interest is compounded:to compute (interest) on the principal and accrued interest.
以复利计算利息：以本金和不断累积的利息为基数计算利息
(2) credit vt.①to enter as a credit:记入账户的贷方
例：credited $500 to her account.
记入500美元的贷款
②to make a credit entry in:在…上贷记：
例：credit an account.
在账目记入贷方