EnglishPod.com - Intermediate - Opening a Bank Account | Текст песни

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• Intermediate - Opening a Bank Account

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Dialogue
A: Next, please.
May I help you, sir?
B: Hello, yes, I’d like to open a bank account.
A: Certainly, I can help you with that.
What type of account would you like to open?
A chequing or a savings account?
B: What features do they offer?
A: Well, if you just take a look here, see, with our chequing account, you can have unlimited daily transactions for a small monthly fee, and our savings account has a higher interest rate, but you must carry a minimum balance of $ 10,000 dollars.
B: I see, well, I think I’m more interested in a chequing account;
I'd like to have easy access to my money.
A: Alright, then, with this chequing account you’ll be issued a debit card and a cheque book.
Will you require overdraft protection?
There is an extra fee for that.
B: No, that won’t be necessary.
A: In that case, I’ll get you to fill out this paperwork;
I’ll need your social insurance number, and two pieces of government ID.
If you could just sign here, and here, and here;
we’ll be all set.
Would you like to make a deposit today?
B: Yes, I’d like to deposit one billion dollars.

M: Hello English learners!
Welcome back to another great lesson with EnglishPod!
My name is Marco.
E: And I’m Erica.
M: And today we’re bringing you another great lesson about being at the bank.
E: That’s right!
We’ve got an Intermediate lesson for you today, um, with lots of great language to help you open a bank account.
M: Okay, so, let’s look at our “vocabulary preview” today.
Voice: Vocabulary preview.
E: Two words today.
The first one is checking account.
[NOTE: Canadian spelling - chequing account]
M: A checking account.
E: Checking account.
M: So, what is a checking account?
E: Well, it’s a type of bank account that lets you do your day-to-day or daily banking.
M: So, it’s the normal bank account that you use to go shopping, that you…
E: Yep.
M: That you use to pay your bills.
E: Yeah, exactly.
M: The opposite, and our second word, is…
E: Savings account.
M: Savings account.
E: Savings account.
M: So, a savings account is to…
E: It’s a bank account where you save your money.
M: To save money, right?
E: Aha.
M: So, usually, you don’t touch the money at this account.
E: Yeah, usually, it stays in there.
M: Right, so, usually, banks will have these two types of accounts.
E: Yes.
M: Checking and savings.
E: Aha.
M: Okay, great!
Let’s listen to our dialogue a first time now.
E: Alright, well, today we’re at a bank and we’re going to listen as a man is opening a bank account.
M: The dialogue is gonna be spoken at a normal speed, so it might be a little bit fast.
E: Yeah.
M: But don’t worry about it, because we’ll come back and explain everything.
E: Yes.
DIALOGUE
M: Alright, one billion dollars.
E: That’s a lot of money!
M: That’s a weird laugh.
E: Hehe.
M: Hehe.
Okay, let’s look at “language takeaway” today.
Voice: Language takeaway.
E: Today we’ve got four words for you in language takeaway all about money and banking.
M: Money and banking.
E: Aha.
M: The first one that we have today is transaction.
E: Transaction.
M: Transaction
E: A transaction.
M: So, we have some great examples that will help you understand what a transaction is, so, let’s listen.
Voice: Example one.
A: I need a record of my most recent paying transactions.
Voice: Example two.
B: There’s no fee for bank transactions done online.
Voice: Example three.
C: Okay, we’ve deposited your money.
Would you like to make another transaction today?
E: So, basically, I can understand that a transaction is moving money around in your bank accounts.
M: Right, it’s taking your money from… right, it’s taking money from your bank account and putting it in other account or just taking in it to spend… whatever.
E: Yes.
M: That’s a transaction.
E: Or even putting money in to your bank account…
M: That’s also a transaction.
E: Aha.
M: Great!
Our second word – balance.
E: Balance.
M: Balance.
E: Balance.
M: Your account balance…
E: Aha.
M: Is how much money you have.
E: Exactly.
M: Right?
E: An account balance.
M: My account balance is two dollars right now, I think.
E: That’s a bit of a problem.
M: Yes.
E: Good thing payday is three days away.
M: Yeah!
Oh, my God!
Okay, our third word – overdraft.
E: Overdraft.
M: Overdraft.
E: Overdraft.
M: So, this really comes in handy, right?
E: Uhu.
M: To overdraft… can you tell us a little bit about it?
E: Let’s say in my bank account I have five hundred dollars.
M: Uhu.
E: But I spend six hundred dollars.
M: Right.
E: So, I have an overdraft in my account, meaning I owe the bank a hundred dollars.
M: Right, it’s also commonly refer to… as a negative balance.
E: That’s right!
M: Right?
Negative balance.
E: Uhu.
M: Like me.
Very soon I will have a negative balance.
E: Okay, I think this one is a little bit tricky to understand, so let’s listen to a couple of examples of how we use this word.
Voice: Example one.
A: The maximum overdraft of my account is only five thousand dollars.
Voice: Example two.
B: I’m sorry, sir, but you’ve exceeded your maximum overdraft limit.
I cannot give you any more money.
Voice: Example three.
C: Oh, no!
I have to pay fifteen hundred dollars in overdraft fees.
M: Okay, great examples!
Now, we can take a look at our last word – debit card.
E: Debit card.
M: Debit card.
E: D-E-B-I-T card, debit card.
M: So, debit card is issued by the bank.
E: Yes.
M: And used to…
E: Take money out of a… ATM.
M: From an ATM-machine, right?
E: Uhu.
M: Right, a debit card.
Not to be confuse with a credit card.
E: Not the same thing.
M: Alright.
Okay, great!
So, now we could listen to our dialogue a second time at a slower speed, so, now we can…
E: We can hear all of the great language we just talked about.
DIALOGUE, SECOND TIME (slow)
M: We heard some interesting phrases of how to tell somebody to do something in a polite way.
E: Yes.
M: So, let’s start with “fluency builder” and explain these words.
Voice: Fluency builder.
E: The bank teller asked this man to do a number of things in order to open his bank account and she used some great expressions.
M: Right, let’s listen to how she asked the man to do some things in a polite way.
E: Yes.
Phrase 1: I’ll get you to fill out this paperwork.
I’ll get you to fill out this paperwork.
Phrase 2: I’ll need your social insurance number.
I’ll need your social insurance number.
Phrase 3: If you could just sign here.
If you could just sign here.
M: So, the first thing she said is “I’ll get you to fill out this paperwork”.
E: I’ll get you to.
M: Right?
Right, I’ll get you to.
E: Uhu.
M: So, it’s just a way of saying “can you please fill this out?”
E: Yeah, do this.
M: Do this.
E: Yeah.
M: But in a different way, right?
E: Aha, more polite.
M: It’s pretty polite.
E: Uhu.
M: Then she also said “I’ll need your social insurance number”.
E: I’ll need your.
M: I’ll need your.
Again, a polite way of saying…
E: Give me…
M: Give me.
E: Your social insurance number.
M: Hehe.
Give me your social insurance…
E: Yeah.
M: And the last thing she said, and this is really polite, “if you could just sign here”.
E: Yes.
M: If you could just sign here.
E: If you could just…
M: If you could just wait a moment…
E: Uhu.
M: I’ll be with you.
E: If you could just send an e-mail with your bank account number.
M: Right.
E: Uhu.
M: Very polite way of asking for something.
E: Yep.
Well, some great language in today’s ‘cast…
M: Yeah.
E: Let’s listen to the dialogue one last time and we’ll catch all of this wonderful language.
DIALOGUE,
M: Okay, so, an interesting thing here: not many countries use checks.
E: That’s right.
M: Right?
The checkbook or a check.
E: Yeah, it tends to be more of an American thing.
Don’t you think?
M: It is, it is, I think, it is.
For those of you who aren’t sure what a check is, it’s basically a piece of paper that you just sing your name and…
E: Yeah, you write the amount of money and then you sing your name, right?
M: Right, and then you give that to the person that… that person can take it to the bank and get money in exchange for it.
E: Yes.
M: It’s not very common in other countries.
E: No, but from what I know, every single American has a checkbook and uses it…
M: Right…
E: Pretty regularly.
M: Yeah, yeah.
E: Yeah.
M: For example, you’d pay your, uh, phone bill…
E: Yeah.
M: Or your electric bill use… put a check in the mailbox and… it’s paid.
E: And it’s done.
M: It’s an interesting thing.
Also sometimes in other countries people salaries are paid through checks.
E: Yes.
M: Paycheck.
E: Oh, yes!
M: Hehe.
E: I see where that word comes from.
M: Paycheck.
E: Aha.
M: But, for example, here in China it’s not very common, right?
E: U-u.
M: I’ve never seen a check here.
E: Me neither.
M: What about in your countries?
We’d like to know how the banking system works.
E: Yes, come to our website at englishpod.co