4.Opening a Bank Account 开个人账户

Dad: So, Jimmy, how does it feel to have your own money?

Jimmy, 自己有钱的感觉怎么样?

Jimmy: It’s great, dad. I don’t mind delivering papers, but the real fun is collecting the money.

太棒了，爸爸。送报纸倒没有什么，真正的快乐是收钱。

Dad: Even though you are only twelve, it’s not too early to start saving a little money.

虽然你才刚刚十二岁，可现在开始攒钱也不算早了。

Jimmy: I’ve never had a bank account before. Why don’t I just keep my money under the matterss like grandpa does?

我还从来没有开过银行账户呢。为什么我就不能像爷爷那样把钱藏在床垫下呢?

Dad: You know you would spend it. And also, money in the bank earns interest.

那样，你就会把钱花掉的。况且，把钱存在银行还有利息呢。

Jimmy: But what if I need my money suddenly?

如果我急需用钱，怎么办?

Dad: The bank will give you a PIN, and you can withdraw money from any ATM.

银行会给你一个密码，你可以从自动提款机提钱。

Jimmy: Great! So it’s almost the same as keeping it under the matters!

太好了! 这么说，存在银行和藏在床垫下并没有什么区别!

Dad: Not quite. You have to maintain a minimum balance of twenty dollars. And sometimes the bank has service charges. But you don’t have to worry about that yet. Let’s go make your first deposit!

不太一样。你的账户里最少得存二十美元。有时候，银行还要收服务费。但你现在还不用担心这些。我们去存第一笔钱吧!

Jimmy: OK. Guess I have to do that before. I can make money my first withdrawal.

好的。只有先存钱，我才能开始取钱啰。

interest 利息

PIN personal identification number, 密码，个人身份号码

ATM Automatic Teller Machine, 自动取款机

Withdraw 提款

maintain a minimum balance 最少存入数量

service charges 服务费

deposit 存款