开银行账户 Opening a Bank Account

对话

Opening a Bank Account

Bank Teller: Good morning. How can I help you today?
Customer: Hi. I’d like to open a bank account.
Bank Teller: Of course. Would you like a checking account or a savings account?
Customer: A checking account, please.
Bank Teller: Sure. May I see your photo ID and proof of address?
Customer: Yes, here’s my passport and my utility bill.
Bank Teller: Thank you. Do you have your Social Security number?
Customer: Yes, here it is.
Bank Teller: Great. The minimum opening deposit is $50. How would you like to deposit it?
Customer: In cash, please.
Bank Teller: Perfect. Your account is now open. You’ll receive your debit card in 5 to 7 business days.
Customer: Thank you very much.
Bank Teller: You’re welcome. Have a nice day!

关键词提示

Opening a Bank Account 开银行账户

Bank Teller: morning – How – help – today?（银行柜员：早上好，请问今天我能为您做些什么？）
Customer: Hi – open – bank account.（客户：你好，我想开一个银行账户。）
Bank Teller: course – checking – savings account?（银行柜员：当然可以。您想开支票账户还是储蓄账户？）
Customer: checking – please.（客户：我要开支票账户，谢谢。）
Bank Teller: Sure – see – photo ID – address?（银行柜员：好的，请出示您的带照片身份证明和地址证明。）
Customer: passport – utility bill.（客户：好的，这是我的护照和水电账单。）
Bank Teller: Thank – Social Security number?（银行柜员：谢谢。您有社会安全号码吗？）
Customer: here.（客户：有的，在这里。）
Bank Teller: Great – minimum – $50 – How – deposit?（银行柜员：好的，开户的最低存款是50美元，您想用什么方式存入？）
Customer: cash.（客户：现金，谢谢。）
Bank Teller: Perfect – account – open – receive – debit card – 5 – 7 – days.（银行柜员：很好，您的账户已经开好了。您将在5到7个工作日内收到借记卡。）
Customer: Thank – much.（客户：非常感谢。）
Bank Teller: welcome – nice day!（银行柜员：不客气，祝您今天愉快！）

音标

Opening a Bank Account
/ˈoʊpənɪŋ ə bæŋk əˈkaʊnt/
Bank Teller: Good morning. How can I help you today?
/ɡʊd ˈmɔrnɪŋ. haʊ kən aɪ ˈhɛlp yʊ təˈdeɪ/
Customer: Hi. I’d like to open a bank account.
/haɪ. aɪd laɪk tə ˈoʊpən ə bæŋk əˈkaʊnt/
Bank Teller: Of course. Would you like a checking account or a savings account?
/əv kɔrs. wʊd yʊ laɪk ə ˈtʃɛkɪŋ əˈkaʊnt ər ə ˈseɪvɪŋz əˈkaʊnt/
Customer: A checking account, please.
/ə ˈtʃɛkɪŋ əˈkaʊnt, pliz/
Bank Teller: Sure. May I see your photo ID and proof of address?
/ʃʊr. meɪ aɪ si yər ˈfoʊtoʊ aɪˈdi ən pruf əv ˈæˌdrɛs/
Customer: Yes, here’s my passport and my utility bill.
/jɛs, hɪrz maɪ ˈpæˌspɔrt ən maɪ yuˈtɪləti bɪl/
Bank Teller: Thank you. Do you have your Social Security number?
/θæŋk yʊ. də yʊ hæv yər ˈsoʊʃəl səˈkjʊrəti ˈnʌmbər/
Customer: Yes, here it is.
/jɛs, hɪr ɪt ɪz/
Bank Teller: Great. The minimum opening deposit is $50. How would you like to deposit it?
/ɡreɪt. ðə ˈmɪnəməm ˈoʊpənɪŋ dəˈpɑzɪt ɪz ˈfɪfti ˈdɑlərz. haʊ wʊd yʊ laɪk tə dəˈpɑzɪt ɪt/
Customer: In cash, please.
/ɪn kæʃ, pliz/
Bank Teller: Perfect. Your account is now open. You’ll receive your debit card in 5 to 7 business days.
/ˈpɜrfɪkt. yər əˈkaʊnt ɪz naʊ ˈoʊpən. yul rəˈsiv yər ˈdɛbɪt kɑrd ɪn faɪv tə ˈsɛvən ˈbɪznɪs deɪz/
Customer: Thank you very much.
/θæŋk yʊ ˈvɛri mʌtʃ/
Bank Teller: You’re welcome. Have a nice day!
/yər ˈwɛlkəm. hæv ə naɪs deɪ/

节奏与重读

OpeNing‿a‿BANK‿aCCOUNT
GOOD‿MORNing.‿HOW‿can‿I‿HELP‿you‿toDAY?
HI.‿I’d‿LIKE‿to‿Open‿a‿BANK‿aCCOUNT.
Of‿COURSE.‿Would‿you‿LIKE‿a‿CHECKing‿aCCOUNT‿or‿a‿SAVings‿aCCOUNT?
A‿CHECKing‿aCCOUNT,‿PLEASE.
SURE.‿May‿I‿SEE‿your‿PHOto‿ID‿and‿PROOF‿of‿ADdress?
YES,‿HERE’s‿my‿PASSport‿and‿my‿uTILity‿BILL.
THANK‿you.‿Do‿you‿HAVE‿your‿SOcial‿seCUrity‿NUMber?
YES,‿HERE‿it‿IS.
GREAT.‿The‿MINimum‿Opening‿dePOsit‿is‿FIFTy‿DOLlars.‿HOW‿would‿you‿LIKE‿to‿dePOsit‿it?
In‿CASH,‿PLEASE.
PERfect.‿Your‿aCCOUNT‿is‿NOW‿Open.‿You’ll‿reCEIVE‿your‿DEBit‿CARD‿in‿FIVE‿to‿SEVen‿BUsiness‿DAYS.
THANK‿you‿VERY‿much.
You’re‿WELcome.‿HAVE‿a‿NICE‿DAY!

翻译

Opening a Bank Account 开银行账户

Bank Teller: Good morning. How can I help you today?
银行柜员：早上好，请问今天我能为您做些什么？
Customer: Hi. I’d like to open a bank account.
客户：你好，我想开一个银行账户。
Bank Teller: Of course. Would you like a checking account or a savings account?
银行柜员：当然可以。您想开支票账户还是储蓄账户？
Customer: A checking account, please.
客户：我要开支票账户，谢谢。
Bank Teller: Sure. May I see your photo ID and proof of address?
银行柜员：好的，请出示您的带照片身份证明和地址证明。
Customer: Yes, here’s my passport and my utility bill.
客户：好的，这是我的护照和水电账单。
Bank Teller: Thank you. Do you have your Social Security number?
银行柜员：谢谢。您有社会安全号码吗？
Customer: Yes, here it is.
客户：有的，在这里。
Bank Teller: Great. The minimum opening deposit is $50. How would you like to deposit it?
银行柜员：好的，开户的最低存款是50美元，您想用什么方式存入？
Customer: In cash, please.
客户：现金，谢谢。
Bank Teller: Perfect. Your account is now open. You’ll receive your debit card in 5 to 7 business days.
银行柜员：很好，您的账户已经开好了。您将在5到7个工作日内收到借记卡。
Customer: Thank you very much.
客户：非常感谢。
Bank Teller: You’re welcome. Have a nice day!
银行柜员：不客气，祝您今天愉快！

说明

这个对话的用词、流程和礼貌表达都是符合美国日常生活习惯的，比如：

• Bank Teller（柜员）是美国常用的说法，英国更多说 cashier 或 clerk。
• Checking account 和 savings account 是美国银行的标准账户类型，美国人日常消费基本用 checking account。
• Proof of address 在美国开户也常要求，比如水电账单、租赁合同等。
• Debit card（借记卡）在美国开户时通常会当场给或者邮寄给你。
• Minimum is $50 这种开户最低金额要求也很常见，不过不同银行数额不同。