银行英语口语一听就会Chapter 2 银行业务 Unit 1 开立账户（3）

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[00:01.59]定期存款账户
[00:03.99]我想开个定期存款账户。我知道定期存款比活期存款的利率高。
[00:11.04]A：Hello, are you a new customer? What can I do for you?您好。您是新客户吗？我能为您做点什么？
[00:18.58]B：Yes, I am. I'd like to open a time deposit account, I know the interest rate for a time deposit is higher than that of a current account. I'm quite interested in a time deposit.是的。我想开个定期存款账户。我知道定期存款比活期存款的利率高。我对定期存款的利率很感兴趣。
[00:46.53]What kind of time deposit accounts do you have?你们有什么种类的定期存款账户？
[00:50.34]I'd like to open a deposit account with you.我想在你们这儿开个定期存款账户。
[00:56.94]活期账户
[00:59.47]是的，您可以开个活期账户。
[01:02.54]A：Oh, it's my own. Can't I?啊，是我自己的。不行吗？
[01:07.64]B: I mean you look like a manager. Yes, you may open a demand account or call I it a current account.我是说，您看起来像位经理。是的，您可以开个活期账户。
[01:25.59]If it's a current account, can I make withdrawals from the account at any time?如果开个活期账户，我能随时取款吗？
[01:31.56]Yes, you can. What you need to do is just to tell us how much you want and then give your signature on a demand slip when you want to make a withdrawal.是的，您可以随时取款。取款时，您只要告诉我们想取多少钱然后在取款单上签名。
[01:42.04]Would you be kind enough to tell something about current accounts? I'm confused with those terms concerning accounts.能告诉我一些活期账户（往来账户）的情况吗？我对各种账户的名称不清楚。
[01:53.20]储蓄账户
[01:55.60]我想开个储蓄账户，存一些钱。
[01:59.54]A： Good morning. Can I help you, madam?您好！我能为您做些什么吗，女士？
[02:04.68]B: Yes, please. I want to open a savings account and deposit some money.谢谢。我想开个储蓄账户，存一些钱。
[02:17.77]I'd like to open a savings account with this bank.我想在您的银行开一个储蓄账户。
[02:24.64]储蓄账户种类
[02:27.23]好的。请问您要哪种储蓄账户？
[02:30.83]A: No problem, but what kind of savings account do you want?好的。请问您要哪种储蓄账户？
[02:37.36]B：Sorry, I'm not sure, but could you give me some information?对不起，我不太清楚。你能介绍一下吗？
[02:49.96]Yes, it's my pleasure. We have current savings account, time savings account and large deposit.好的，很高兴为您介绍。我们办理活期存款、定期存款和大面额存款。
[03:00.41]个人支票账户
[03:02.95]我想开个个人支票账户。
[03:06.28]A: Hello, you look like an overseas Chinese.May I help you,sir?您好，先生，您像位海外华侨。我能为您做点什么？
[03:15.99]B: Yes, I'm an America-born Chinese desendant. I'm studying for my Ph. D. at New York University. I want to open a personal checking account.是的，我是出生在美国的中国人，现在纽约大学攻读博士学位。我想开个个人支票账户。
[03:41.43]What's the difference between the two? I just want a few checks every month to pay some bills. Carrying cash is not safe.这两种个人支票账户有什么不同呢？我只是每月要用几张支票来付一些账单。带现金在身上不太安全。
[03:50.69]If so, I suggest the special account will be more suitable. Special accounts are more economical and the service charge is only 50 cents for each check you write.如果这样的话，我想特别支票账户对您较合适。这种账户比较经济，每张支票只收50美分。
[04:05.35]大面额存款账户
[04:08.53]我听说贵行办理大面额存款账户。
[04:12.58]A: Hello. I've heard about the Large Deposit Account. Can I use that type of account?你好。我听说贵行办理大面额存款账户。我能开一个大面额存款账户吗？
[04:25.20]B: Yes, of course. We offer it to all our customers. This program offers our highest rate of interest for our customers.当然可以。所有客户都能开立这种账户。银行对这种储蓄所付的利息最高。
[04:46.16]Higher than time deposits?大面额存款的利率比定期存款的利率还高吗？
[04:50.11]Yes, it is. Actually, a large deposit is a special time deposit. The depositing term is usually three to six years. The longer, the better.是的。实际上，大面额存款是一种特殊的定期存款。存款期通常是3~6年，越长越好。
[05:04.09]异地居民开立账户
[05:06.89]我想开个储蓄账户，但我不是这里的居民。
[05:11.67]A: Hello.I'd like to open a savings account, but I'm not a resident here. Is it all right?你好。我想开个储蓄账户，但我不是这里的居民。行吗？
[05:22.12]B: No problem. But you have to show me your passport.没问题。但是您必须向我出示护照。
[05:34.10]Do I earn interest on the account in this case?在这种情况下，我能否享受利息呢？
[05:37.85]Yes, we pay you the same interest rate as a resident here.当然可以。我们付给您的利息和付给当地居民储户的利息相同。
[05:45.42]取消账户
[05:47.57]其实您没有必要取消账户。
[05:50.83]A：Actually you need't cancel your account. You just leave a small amount, say, 10 Yuan in your account you can keep it for further use.其实您没有必账户。只需留一点钱，如10元，那么，您将来还可以使用这个账户。
[06:07.70]B: That sounds a good idea.Let me fill out a new slip for you.听起来是个好主意。我再填写一张取款单吧。
[06:21.87]To withdraw funds or close an account fill out and sign the Withdrawal Request Form.如果您想要提款或销户，您需要填写该表格。
[06:28.44]How can I close my checking account now?现在怎么我能取消我的活期存款账户？

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银行英语口语一听就会Chapter 2 银行业务 Unit 1 开立账户（3）