2--First you fill out the application form and then we'll issue you a passbook.
 
1--What's the annual interest rate?
 
2--It varies from time to time. At present it's
 
1--Can I open a checking account?
 
2--Sure, but you have to deposit enough money before you can write out your checks.
 
1--What will happen if I overdraw?
 
2--There will be a penalty of $ 5.00 for each check over drawn.
 
1--May I deposit these cheques?
 
2--Cerlainly, but you'd have to sign your name on them, Sir.
 
1--Where should I sign?
 
2--Endorse on each of the cheques, please.
 
===================================
注解：
 
1.procedure手续   
2.application申请表   
3.penalty罚款 
 
===================================
译文：

1--我要开个活期储蓄户头，怎样办理相关手续？
2--你先填好这张申请表，然后我们就签发给你一本存折。
1--年利率是多少？
2--利率经常变动，现在是2.6%。
1--我能开一个有支票的活期储蓄账户吗？
2--当然可以，但你必须有足够的存款才能开支票。
1--透支了怎么办？
2--每张透支的支票要罚款5美元。
1--我可以存这些支票吗？
2--当然可以，但你得签名，先生。
1--我该在哪里签名？
2--请在每张支票的背面签名。