L: good morning. How can I help you?

C: I'd like to open a new account.

L: have you filled out an application form?

C: yes. And I've brought some documents along with me, too. Do you need to see my passport?

L: yes. I'll just have my assistant looko over these quickly and then we'll move on to the next step. Did you want to open up a checking account and a savings account?

C: yes. Does the checking account come with a debit card?

L: yes. Actually, both accounts come with cards that you can use in ATM machines, so that you won't have to come in to the bank to make a transaction.

C: that's very convenient.

L: it is. Our customers really like it. Do you have any other questions about your new accounts?

C: yes. What's the maximum amount that you are allowed to have in an overdraft?

L: the maximum is $1000.

C: is there a penalty for having an overdraft?

L: yes, but it's not much. You just have to pay 1% interest on the account. It's much lower rate than any of our loans and it's much better than owing money to most credit cards.

C: that's true. Is everything alright with my documents?

L: they're all in order. If you just sign your name here, you'll receive your cards and pin numbers in the mail in about three weeks.

C: thank you very much.

L: you're welcome.

早上好，有什么能帮忙的吗?

我想开个新账户。

您填好申请表了吗?

填好了。而且，我也带了相关的文件。你要看我的护照吗?

好的。我让我的助理迅速浏览一遍这些文件，然后我们就可以进行下一步了。您是想要开一个活期账户和一个定期储蓄账户吗?

没错。活期账户是不是会附带一个借记卡?

对。实际上两个账户都有可以供您在自动取款机上使用的卡。这样您就不用到银行柜台来办理转账业务了。

这样很方便。

的确是。我们的客户都很喜欢这个服务。关于新账户您还有其它问题吗?

有。这个账户一次性透支额度的上限是多少?

最大额度是1000美元。

超过这个额度有罚金吗?

有，但是不太多。您需要支付总额的1%的利息。这比我们任何的一种贷款业务都要低得多，而且比大多数信用卡透支都要便宜。

您说的没错。我的文件处理好了吗?

都弄好了。只要您在这里签个名，三周左右就可以收到邮寄给您的卡和密码了。

非常感谢。

不用客气。