good morning. How can I help you?
早上好，有什么能帮忙的吗？

I'd like to open a new account.
我想开个新账户。

have you filled out an application form?
您填好申请表了吗？

yes. And I've brought some documents along with me, too. Do you need to see my passport?
填好了。而且，我也带了相关的文件。你要看我的护照吗？

yes. I'll just have my assistant look 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?
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？

yes. Does the checking account come with a debit card?
没错。活期账户是不是会附带一个借记卡？

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.
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。

that's very convenient.
这样很方便。

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

yes. What's the maximum amount that you are allowed to have in an overdraft?
有。这个账户一次性透支额度的上限是多少？

the maximum is $1000.
最大额度是1000美元。

is there a penalty for having an overdraft?
超过这个额度有罚金吗？

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

that's true. Is everything alright with my documents?
您说的没错。我的文件处理好了吗？

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.
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。

thank you very much.
非常感谢。

you're welcome.
不用客气。