日常生活场景 / 雅思话题，2025.09.08
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小红书：包会的背单词大法~去银行办业务！重点：柜员是teller... [http://xhslink.com/o/EtyppNoIWf ](http://xhslink.com/o/EtyppNoIWf )
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包会的背单词大法~去银行开户、取钱、存钱~ [http://xhslink.com/o/12BMo9enezA ](http://xhslink.com/o/12BMo9enezA )
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你今天需要去银行办理一些业务，你要去银行bank。
首先呢，你要选择去哪家银行，银行分支机构bank branch。在英语国家，常见的银行有大型银行major banks，比如美国银行Bank of America，富国银行Wells Fargo，摩根大通JPMorgan Chase。也有社区银行community banks和信用合作社credit unions，它们通常服务费更低lower fees，客户服务更个性化more personalized service。
在中国呢，我们有四大国有银行Big Four state-owned banks：中国工商银行Industrial and Commercial Bank of China (ICBC)，中国建设银行China Construction Bank (CCB)，中国银行Bank of ChinaBOC，中国农业银行Agricultural Bank of China (ABC)。还有股份制银行joint-stock banks，比如招商银行China Merchants Bank，中信银行CITIC Bank。现在很多人也用网上银行online banking和手机银行mobile banking，比如支付宝Alipay和微信支付WeChat Pay。
你走进银行，首先看到的是大厅lobby。通常会有自助服务区self-service area，那里有ATM机ATM machines，也叫自动取款机automated teller machines。如果你只是要取钱withdraw money或者查询余额check balance，用ATM就够了。但今天你需要办理更复杂的业务，所以你要去柜台teller counter。
你看到银行里有排队系统queuing system。有些银行用取号机ticket machine，你要取号take a number，然后等待叫号wait for your number to be called。有些银行是直接排队direct queuing，你就排在队伍后面join the line。如果人很多，你可能需要等很久wait for a long time。
轮到你了，银行出纳员bank teller叫你过去。你走到柜台window前，出纳员问你："How can I help you today?" 今天我能为您做什么？你需要说明你要办理的业务类型type of service。
如果你要开户open an account，你可以说："I'd like to open a bank account." 我想开一个银行账户。银行有不同类型的账户：支票账户checking account用于日常交易transactions，储蓄账户savings account用于存钱save money和赚取利息earn interest。还有定期存款账户certificate of deposit (CD)，利率更高higher interest rate但资金锁定期更长money is locked for longer period。
如果你要存钱make a deposit，你可以说："I'd like to make a deposit." 我想存钱。你可以存现金cash或者支票check。如果是支票，出纳员会问你要全部存入deposit all还是部分提现get some cash back。你说："I'd like to deposit this check and get $50 cash back." 我想存这张支票，然后取50美元现金。
如果你要取钱make a withdrawal，你说："I need to withdraw some money." 我需要取一些钱。出纳员会问你要取多少："How much would you like to withdraw?" 您想取多少钱？你说："I'd like to withdraw $200, please." 我想取200美元。
如果你要转账transfer money，你说："I need to transfer money." 我需要转账。可以是账户间转账transfer between accounts，比如从支票账户checking转到储蓄账户savings。也可以是汇款wire transfer给别人，但这通常需要手续费fees。
在中国，转账非常方便，你可以用网银online banking，手机银行mobile banking，或者第三方支付third-party payment。比如用支付宝Alipay或微信WeChat扫二维码QR code就能即时转账instant transfer。还可以跨行转账inter-bank transfer，现在大部分都是实时到账real-time arrival。
办理业务时，出纳员会要求你提供身份证明identification。在国外，你需要出示驾照driver's license、护照passport或者州身份证state ID。如果是开户，还需要社会安全号码Social Security Number (SSN)和地址证明proof of address，比如水电费账单utility bill。
在中国，你主要需要身份证ID card，有时候还需要户口本household registration booklet。如果是外国人foreigner在中国开户，需要护照passport和居住证residence permit。开户时银行会要求你设置密码PIN code和安全问题security questions。
出纳员会问你一些安全问题security questions来验证身份verify your identity。比如："What's your mother's maiden name?" 您母亲的娘家姓是什么？或者"What's your date of birth?" 您的出生日期是什么？
如果你要申请贷款apply for a loan，比如汽车贷款car loan或者房屋贷款mortgage，出纳员会让你和贷款专员loan officer预约。你需要提供收入证明proof of income，比如工资单pay stubs，还要信用检查credit check来看你的信用分数credit score。
办理完业务后，出纳员会给你收据receipt作为交易记录transaction record。如果是存取款，收据上会显示交易金额transaction amount、账户余额account balance和交易时间transaction time。
如果你对银行费用bank fees有疑问，比如月度维护费monthly maintenance fee或者透支费overdraft fee，你可以问："Can you explain these fees?" 您能解释一下这些费用吗？有些费用可以通过保持最低余额maintaining minimum balance来免除waive。
最后，如果你需要银行卡bank card，出纳员会问你要借记卡debit card还是信用卡credit card。借记卡debit card直接从你的支票账户checking account扣钱，信用卡credit card是先消费后还款spend now, pay later。新卡通常需要7-10个工作日7-10 business days才能邮寄到arrive by mail。
在中国，银联卡UnionPay card是最常见的，几乎所有银行都发行。现在很多人用芯片卡chip card，比磁条卡magnetic stripe card更安全。你还可以申请信用卡credit card，需要提供收入证明income proof和工作证明employment verification。很多银行还提供联名卡co-branded card，比如航空里程卡airline mileage card或者购物返现卡cashback card。现在无卡支付cardless payment也很流行，直接用手机支付mobile payment就行。
好了，这就是在银行办理业务时会用到的各种表达，从进入银行到完成业务，试试用上这些表达描述一下你去银行的经历吧~
选择银行和了解银行类型的常用表达：
"Which bank should I choose?"我应该选择哪家银行？ 用于询问银行选择建议 - Which bank should I choose for opening my first account? 我开第一个账户应该选择哪家银行？
"What's the difference between...?"…之间有什么区别？ 用于比较不同银行类型 - What's the difference between major banks and community banks? 大型银行和社区银行有什么区别？
"Do you recommend...?"你推荐…吗？ 用于寻求银行推荐 - Do you recommend this bank for students? 你推荐学生使用这家银行吗？
"I prefer...because..."我更喜欢…因为… 用于表达银行偏好 - I prefer community banks because they have lower fees. 我更喜欢社区银行因为他们收费更低。
"This bank offers..."这家银行提供… 用于描述银行服务 - This bank offers personalized customer service. 这家银行提供个性化客户服务。
"In China, we mainly use..."在中国，我们主要使用… 用于介绍中国银行情况 - In China, we mainly use mobile banking for daily transactions. 在中国，我们主要使用手机银行进行日常交易。
| 单词 | 词性 | 音标 | 释义 | 例句 |
|---|---|---|---|---|
| bank | n. | /bæŋk/ | 银行 近义 financial institution | I need to go to the bank today. 我今天需要去银行。 |
| bank branch | n. | /bæŋk bræntʃ/ | 银行分支机构 近义 branch office, local branch 反义 headquarters, main office | There's a bank branch near my office. 我办公室附近有一个银行分支机构。 |
| major banks | n. | /ˈmeɪdʒər bæŋks/ | 大型银行 近义 big banks, large banks 反义 community banks, small banks | Major banks usually have more ATMs. 大型银行通常有更多ATM机。 |
| more comprehensive service network | n. | /mɔːr ˌkɑːmprɪˈhensɪv ˈsɜːrvɪs ˈnetwɜːrk/ | 更全面的服务网点 近义 extensive network, wider coverage 反义 limited network, fewer branches | Major banks have a more comprehensive service network. 大型银行有更全面的服务网点。 |
| community banks | n. | /kəˈmjuːnəti bæŋks/ | 社区银行 近义 local banks, small banks 反义 major banks, big banks | Community banks provide more personalized service. 社区银行提供更个性化的服务。 |
| credit unions | n. | /ˈkredɪt ˈjuːnjənz/ | 信用合作社 近义 cooperative banks 反义 commercial banks | Credit unions often have lower fees. 信用合作社通常收费更低。 |
| lower fees | n. | /ˈloʊər fiːz/ | 更低费用 近义 reduced costs, cheaper rates 反义 higher fees, expensive rates | I chose this bank because of lower fees. 我选择这家银行是因为费用更低。 |
| personalized service | n. | /ˈpɜːrsənəlaɪzd ˈsɜːrvɪs/ | 个性化服务 近义 customized service, individual attention 反义 standardized service, generic service | Small banks offer more personalized service. 小银行提供更个性化的服务。 |
| state-owned banks | n. | /steɪt oʊnd bæŋks/ | 国有银行 近义 government banks, public banks 反义 private banks, commercial banks | China has four major state-owned banks. 中国有四大国有银行。 |
| joint-stock banks | n. | /dʒɔɪnt stɑːk bæŋks/ | 股份制银行 近义 commercial banks, private banks 反义 state-owned banks | Joint-stock banks are more flexible. 股份制银行更灵活。 |
| online banking | n. | /ˈɔnlaɪn ˈbæŋkɪŋ/ | 网上银行 近义 internet banking, web banking 反义 traditional banking, branch banking | Online banking is very convenient. 网上银行非常方便。 |
| mobile banking | n. | /ˈmoʊbaɪl ˈbæŋkɪŋ/ | 手机银行 近义 phone banking, app banking 反义 desktop banking, branch banking | I use mobile banking for transfers. 我用手机银行转账。 |
描述银行环境和使用设施的常用表达：
"Where is the...?"…在哪里？ 用于询问银行设施位置 - Where is the ATM machine? ATM机在哪里？
"How do I use...?"我怎么使用…？ 用于询问设施使用方法 - How do I use the ticket machine? 我怎么使用取号机？
"I need to..."我需要… 用于表达需求 - I need to wait for my number to be called. 我需要等待叫号。
"Should I...?"我应该…吗？ 用于询问操作建议 - Should I take a number or join the line directly? 我应该取号还是直接排队？
"The bank is..."银行… 用于描述银行状况 - The bank is quite busy today. 银行今天很忙。
| 单词 | 词性 | 音标 | 释义 | 例句 |
|---|---|---|---|---|
| lobby | n. | /ˈlɑːbi/ | 大厅 近义 entrance hall, main area 反义 private room, office | Please wait in the lobby. 请在大厅等候。 |
| self-service area | n. | /self ˈsɜːrvɪs ˈeriə/ | 自助服务区 近义 automated area, self-help zone 反义 full-service area, assisted area | The self-service area has ATMs. 自助服务区有ATM机。 |
| ATM machines | n. | /ˌeɪ tiː ˈem məˈʃiːnz/ | ATM机 近义 cash machines, automated tellers 反义 teller counter, human service | There are three ATM machines here. 这里有三台ATM机。 |
| automated teller machines | n. | /ˈɔːtəmeɪtɪd ˈtelər məˈʃiːnz/ | 自动取款机 近义 ATMs, cash dispensers 反义 manual tellers, human tellers | Automated teller machines are available 24/7. 自动取款机24小时可用。 |
| queuing system | n. | /ˈkjuːɪŋ ˈsɪstəm/ | 排队系统 近义 waiting system, line management 反义 chaos, disorder | This bank has an efficient queuing system. 这家银行有高效的排队系统。 |
| ticket machine | n. | /ˈtɪkɪt məˈʃiːn/ | 取号机 近义 number dispenser | Get your number from the ticket machine. 从取号机取号。 |
| take a number | v. | /teɪk ə ˈnʌmbər/ | 取号 近义 get a ticket, draw a number 反义 skip the line, cut in line | Please take a number and wait. 请取号等候。 |
| wait for your number | v. | /weɪt fɔːr jʊr ˈnʌmbər/ | 等待叫号 近义 wait your turn 反义 skip ahead, jump the queue | You need to wait for your number to be called. 你需要等待叫号。 |
| direct queuing | n. | /dəˈrekt ˈkjuːɪŋ/ | 直接排队 近义 line up directly, queue directly 反义 number system, ticket system | Some banks use direct queuing. 有些银行使用直接排队。 |
| join the line | v. | /dʒɔɪn ðə laɪn/ | 排在队伍后面 近义 get in line, queue up 反义 cut in line, skip the queue | Please join the line at the back. 请排在队伍后面。 |
| teller counter | n. | /ˈtelər ˈkaʊntər/ | 柜台 近义 service window, counter 反义 self-service area, ATM | Go to teller counter number 3. 去3号柜台。 |
办理账户相关业务的常用表达：
"I'd like to open..."我想开… 用于表达开户需求 - I'd like to open a savings account. 我想开一个储蓄账户。
"What's the difference between...?"…之间有什么区别？ 用于比较账户类型 - What's the difference between checking and savings accounts? 支票账户和储蓄账户有什么区别？
"Which account is better for...?"哪种账户更适合…？ 用于询问账户选择 - Which account is better for daily transactions? 哪种账户更适合日常交易？
"How much interest...?"利息是多少…？ 用于询问利率 - How much interest does this account earn? 这个账户能赚多少利息？
"What are the requirements...?"要求是什么…？ 用于询问开户条件 - What are the requirements to open an account? 开户的要求是什么？
| 单词 | 词性 | 音标 | 释义 | 例句 |
|---|---|---|---|---|
| open an account | v. | /ˈoʊpən ən əˈkaʊnt/ | 开户 近义 create an account, establish an account 反义 close an account, terminate an account | I want to open an account here. 我想在这里开户。 |
| checking account | n. | /ˈtʃekɪŋ əˈkaʊnt/ | 支票账户 近义 current account, transaction account 反义 savings account, deposit account | A checking account is for daily transactions. 支票账户用于日常交易。 |
| savings account | n. | /ˈseɪvɪŋz əˈkaʊnt/ | 储蓄账户 近义 deposit account, interest account 反义 checking account, spending account | I use my savings account to save money. 我用储蓄账户存钱。 |
| certificate of deposit | n. | /sərˈtɪfɪkət ʌv dɪˈpɑːzɪt/ | 定期存款账户 近义 time deposit, fixed deposit 反义 demand deposit, current account | CDs offer higher interest rates. 定期存款提供更高利率。 |
| transactions | n. | /trænˈzækʃənz/ | 交易 近义 operations, activities | This account allows unlimited transactions. 这个账户允许无限交易。 |
| save money | v. | /seɪv ˈmʌni/ | 存钱 近义 put aside money, accumulate funds 反义 spend money, withdraw money | I want to save money for the future. 我想为将来存钱。 |
| earn interest | v. | /ɜːrn ˈɪntrəst/ | 赚取利息 近义 gain interest, accrue interest 反义 pay interest, lose money | Savings accounts earn interest. 储蓄账户能赚取利息。 |
| higher interest rate | n. | /ˈhaɪər ˈɪntrəst reɪt/ | 更高利率 近义 better rates, increased returns 反义 lower interest rate, reduced returns | CDs have higher interest rates. 定期存款有更高利率。 |
| locked for longer period | adj. | /lɑːkt fɔːr ˈlɔːŋɡər ˈpɪriəd/ | 资金锁定期更长 近义 tied up longer, committed longer 反义 available immediately, accessible anytime | Your money is locked for a longer period. 你的资金锁定期更长。 |
办理存取款业务的常用表达：
"I'd like to make a..."我想… 用于表达存取款需求 - I'd like to make a deposit. 我想存钱。
"How much would you like to...?"您想…多少？ 银行员工询问金额 - How much would you like to withdraw? 您想取多少钱？
"I want to deposit..."我想存… 用于说明存款内容 - I want to deposit this check. 我想存这张支票。
"Can I get some cash back?"我可以取一些现金吗？ 用于部分提现 - Can I get $50 cash back? 我可以取50美元现金吗？
"I need to withdraw..."我需要取… 用于表达取款需求 - I need to withdraw $200. 我需要取200美元。
| 单词 | 词性 | 音标 | 释义 | 例句 |
|---|---|---|---|---|
| make a deposit | v. | /meɪk ə dɪˈpɑːzɪt/ | 存钱 近义 deposit money, put money in 反义 make a withdrawal, take money out | I need to make a deposit today. 我今天需要存钱。 |
| make a withdrawal | v. | /meɪk ə wɪðˈdrɔːəl/ | 取钱 近义 withdraw money, take money out 反义 make a deposit, put money in | I want to make a withdrawal. 我想取钱。 |
| cash | n. | /kæʃ/ | 现金 近义 money, bills 反义 check, card payment | Do you want to deposit cash? 你想存现金吗？ |
| check | n. | /tʃek/ | 支票 近义 cheque, bank draft 反义 cash, electronic payment | I have a check to deposit. 我有一张支票要存。 |
| deposit all | v. | /dɪˈpɑːzɪt ɔːl/ | 全部存入 近义 put everything in 反义 get cash back, partial deposit | I want to deposit all of this check. 我想把这张支票全部存入。 |
| get some cash back | v. | /ɡet sʌm kæʃ bæk/ | 部分提现 近义 take some cash, withdraw partially 反义 deposit all, put everything in | Can I get some cash back? 我可以部分提现吗？ |
办理转账业务的常用表达：
"I need to transfer..."我需要转… 用于表达转账需求 - I need to transfer money to my savings account. 我需要转钱到储蓄账户。
"How much are the fees?"手续费是多少？ 用于询问转账费用 - How much are the fees for wire transfers? 电汇的手续费是多少？
"How long does it take?"需要多长时间？ 用于询问转账时间 - How long does it take for the transfer to arrive? 转账需要多长时间到账？
"Can I transfer online?"我可以网上转账吗？ 用于询问网上转账 - Can I transfer money online? 我可以网上转钱吗？
"Is it instant?"是即时的吗？ 用于询问是否即时到账 - Is the transfer instant? 转账是即时的吗？
| 单词 | 词性 | 音标 | 释义 | 例句 |
|---|---|---|---|---|
| transfer money | v. | /ˈtrænsfər ˈmʌni/ | 转账 近义 send money, move funds 反义 receive money, keep money | I want to transfer money between accounts. 我想在账户间转账。 |
| transfer between accounts | v. | /ˈtrænsfər bɪˈtwiːn əˈkaʊnts/ | 账户间转账 近义 internal transfer, account-to-account 反义 external transfer, third-party transfer | You can transfer between your own accounts. 你可以在自己的账户间转账。 |
| wire transfer | n. | /ˈwaɪər ˈtrænsfər/ | 汇款 近义 bank transfer, electronic transfer 反义 cash payment, check payment | Wire transfers have higher fees. 电汇有更高的手续费。 |
| fees | n. | /fiːz/ | 手续费 近义 charges, costs 反义 free service, no charge | What are the fees for this service? 这项服务的手续费是多少？ |
| third-party payment | n. | /θɜːrd ˈpɑːrti ˈpeɪmənt/ | 第三方支付 近义 external payment, alternative payment 反义 direct bank transfer, traditional payment | Third-party payment is very popular. 第三方支付很受欢迎。 |
| QR code | n. | /ˌkjuː ˈɑːr koʊd/ | 二维码 近义 quick response code 反义 manual input, traditional method | Scan the QR code to pay. 扫二维码支付。 |
| instant transfer | n. | /ˈɪnstənt ˈtrænsfər/ | 即时转账 近义 immediate transfer, real-time transfer 反义 delayed transfer, batch processing | This service offers instant transfer. 这项服务提供即时转账。 |
| inter-bank transfer | n. | /ˈɪntər bæŋk ˈtrænsfər/ | 跨行转账 近义 cross-bank transfer, external transfer 反义 same-bank transfer, internal transfer | Inter-bank transfers may take longer. 跨行转账可能需要更长时间。 |
| real-time arrival | n. | /ˈriːəl taɪm əˈraɪvəl/ | 实时到账 近义 instant arrival, immediate processing 反义 delayed arrival, batch processing | Most transfers now have real-time arrival. 现在大部分转账都是实时到账。 |
身份验证相关的常用表达：
"What ID do I need?"我需要什么身份证件？ 用于询问所需证件 - What ID do I need to open an account? 开户需要什么身份证件？
"Can you verify my identity?"您能验证我的身份吗？ 用于请求身份验证 - Can you verify my identity with this passport? 您能用这本护照验证我的身份吗？
"I have my..."我有我的… 用于出示证件 - I have my driver's license with me. 我带着驾照。
"Do you need proof of...?"您需要…的证明吗？ 用于询问所需证明 - Do you need proof of address? 您需要地址证明吗？
"What security questions...?"什么安全问题…？ 用于询问安全验证 - What security questions do I need to answer? 我需要回答什么安全问题？
| 单词 | 词性 | 音标 | 释义 | 例句 |
|---|---|---|---|---|
| identification | n. | /aɪˌdentɪfɪˈkeɪʃən/ | 身份证明 近义 ID, identity proof | Please bring valid identification. 请带有效身份证明。 |
| driver's license | n. | /ˈdraɪvərz ˈlaɪsəns/ | 驾照 近义 driving permit, license | I'll use my driver's license as ID. 我用驾照作身份证明。 |
| passport | n. | /ˈpæspɔːrt/ | 护照 近义 travel document | A passport is valid identification. 护照是有效身份证明。 |
| state ID | n. | /steɪt aɪ ˈdiː/ | 州身份证 近义 state identification card | You can use a state ID instead. 你可以用州身份证代替。 |
| Social Security Number | n. | /ˈsoʊʃəl sɪˈkjʊrəti ˈnʌmbər/ | 社会安全号码 近义 SSN, social security | You need to provide your SSN. 你需要提供社会安全号码。 |
| proof of address | n. | /pruːf ʌv əˈdres/ | 地址证明 近义 address verification, residence proof | Bring proof of address with you. 请带地址证明。 |
| utility bill | n. | /juːˈtɪləti bɪl/ | 水电费账单 近义 electric bill, water bill | A utility bill can prove your address. 水电费账单可以证明地址。 |
| ID card | n. | /aɪ ˈdiː kɑːrd/ | 身份证 近义 identification card | Please show your ID card. 请出示身份证。 |
| household registration booklet | n. | /ˈhaʊshoʊld ˌredʒɪˈstreɪʃən ˈbʊklət/ | 户口本 近义 family register | You may need your household registration booklet. 你可能需要户口本。 |
| residence permit | n. | /ˈrezɪdəns pərˈmɪt/ | 居住证 近义 residence card, permit | Foreigners need a residence permit. 外国人需要居住证。 |
| PIN code | n. | /pɪn koʊd/ | 密码 近义 personal identification number | Please enter your PIN code. 请输入密码。 |
| security questions | n. | /sɪˈkjʊrəti ˈkwestʃənz/ | 安全问题 近义 verification questions | Answer the security questions. 回答安全问题。 |
| verify your identity | v. | /ˈverɪfaɪ jʊr aɪˈdentəti/ | 验证身份 近义 confirm identity, authenticate | We need to verify your identity. 我们需要验证您的身份。 |
| mother's maiden name | n. | /ˈmʌðərz ˈmeɪdən neɪm/ | 母亲的娘家姓 近义 mother's family name | What's your mother's maiden name? 您母亲的娘家姓是什么？ |
| date of birth | n. | /deɪt ʌv bɜːrθ/ | 出生日期 近义 birth date, birthday | Please provide your date of birth. 请提供出生日期。 |
银行产品相关的常用表达：
"What types of cards do you offer?"你们提供什么类型的卡？ 用于询问银行卡种类 - What types of cards do you offer for students? 你们为学生提供什么类型的卡？
"What's the difference between...?"…之间有什么区别？ 用于比较银行产品 - What's the difference between debit and credit cards? 借记卡和信用卡有什么区别？
"How long does it take to get...?"获得…需要多长时间？ 用于询问办卡时间 - How long does it take to get a new credit card? 办新信用卡需要多长时间？
"What are the benefits of...?"…的好处是什么？ 用于询问产品优势 - What are the benefits of this co-branded card? 这张联名卡的好处是什么？
"Do I qualify for...?"我符合…的条件吗？ 用于询问申请资格 - Do I qualify for a credit card? 我符合申请信用卡的条件吗？
| 单词 | 词性 | 音标 | 释义 | 例句 |
|---|---|---|---|---|
| bank card | n. | /bæŋk kɑːrd/ | 银行卡 近义 payment card, financial card 反义 cash, physical money | I need to apply for a bank card. 我需要申请银行卡。 |
| debit card | n. | /ˈdebɪt kɑːrd/ | 借记卡 近义 bank card, ATM card 反义 credit card, charge card | A debit card deducts money directly. 借记卡直接扣钱。 |
| credit card | n. | /ˈkredɪt kɑːrd/ | 信用卡 近义 charge card 反义 debit card, cash | Credit cards allow you to spend first. 信用卡允许先消费。 |
| deduct from checking account | v. | /dɪˈdʌkt frʌm ˈtʃekɪŋ əˈkaʊnt/ | 支票账户扣钱 近义 withdraw from account, charge account 反义 add to account, deposit | Debit cards deduct from your checking account. 借记卡从支票账户扣钱。 |
| spend now pay later | v. | /spend naʊ peɪ ˈleɪtər/ | 先消费后还款 近义 buy on credit, deferred payment 反义 pay immediately, cash payment | Credit cards let you spend now, pay later. 信用卡让你先消费后还款。 |
| business days | n. | /ˈbɪznəs deɪz/ | 工作日 近义 working days, weekdays 反义 weekends, holidays | It takes 7-10 business days. 需要7-10个工作日。 |
| arrive by mail | v. | /əˈraɪv baɪ meɪl/ | 邮寄到 近义 be mailed, be delivered 反义 pick up in person, collect | Your card will arrive by mail. 你的卡会邮寄到。 |
| UnionPay card | n. | /ˈjuːnjən peɪ kɑːrd/ | 银联卡 近义 Chinese bank card 反义 Visa, Mastercard | UnionPay cards are common in China. 银联卡在中国很常见。 |
| chip card | n. | /tʃɪp kɑːrd/ | 芯片卡 近义 smart card, EMV card 反义 magnetic stripe card | Chip cards are more secure. 芯片卡更安全。 |
| magnetic stripe card | n. | /mæɡˈnetɪk straɪp kɑːrd/ | 磁条卡 近义 swipe card 反义 chip card, contactless card | Magnetic stripe cards are older technology. 磁条卡是较老的技术。 |
| co-branded card | n. | /koʊ ˈbrændəd kɑːrd/ | 联名卡 近义 partnership card, branded card 反义 regular card, standard card | Co-branded cards offer special benefits. 联名卡提供特殊优惠。 |
| airline mileage card | n. | /ˈerlaɪn ˈmaɪlɪdʒ kɑːrd/ | 航空里程卡 近义 frequent flyer card, travel card 反义 cashback card, regular card | Airline cards earn you miles. 航空卡为你赚取里程。 |
| cashback card | n. | /ˈkæʃbæk kɑːrd/ | 购物返现卡 近义 reward card, rebate card 反义 airline card, points card | Cashback cards give money back. 返现卡返还现金。 |
| income proof | n. | /ˈɪnkʌm pruːf/ | 收入证明 近义 salary verification, income statement | You need income proof for credit cards. 申请信用卡需要收入证明。 |
| employment verification | n. | /ɪmˈplɔɪmənt ˌverɪfɪˈkeɪʃən/ | 工作证明 近义 job confirmation, work proof | Employment verification is required. 需要工作证明。 |
| cardless payment | n. | /ˈkɑːrdləs ˈpeɪmənt/ | 无卡支付 近义 mobile payment, contactless payment 反义 card payment, cash payment | Cardless payment is becoming popular. 无卡支付越来越流行。 |
| mobile payment | n. | /ˈmoʊbaɪl ˈpeɪmənt/ | 手机支付 近义 phone payment, digital payment 反义 cash payment, card payment | Mobile payment is very convenient. 手机支付非常方便。 |
银行费用和服务相关的常用表达：
"What are the fees for...?"…的费用是多少？ 用于询问各种费用 - What are the fees for maintaining this account? 维护这个账户的费用是多少？
"Can these fees be waived?"这些费用可以免除吗？ 用于询问费用减免 - Can these fees be waived if I maintain a minimum balance? 如果我保持最低余额，这些费用可以免除吗？
"I need a receipt for..."我需要…的收据 用于索要收据 - I need a receipt for this transaction. 我需要这笔交易的收据。
"What's my account balance?"我的账户余额是多少？ 用于查询余额 - What's my current account balance? 我目前的账户余额是多少？
"When was this transaction made?"这笔交易什么时候进行的？ 用于询问交易时间 - When was this transaction made? 这笔交易什么时候进行的？
| 单词 | 词性 | 音标 | 释义 | 例句 |
|---|---|---|---|---|
| transaction record | n. | /trænˈzækʃən ˈrekərd/ | 交易记录 近义 transaction history, account statement | Keep your transaction records. 保留交易记录。 |
| receipt | n. | /rɪˈsiːt/ | 收据 近义 proof of transaction, slip | Here's your receipt. 这是您的收据。 |
| transaction amount | n. | /trænˈzækʃən əˈmaʊnt/ | 交易金额 近义 amount transferred, sum | The transaction amount is $100. 交易金额是100美元。 |
| account balance | n. | /əˈkaʊnt ˈbæləns/ | 账户余额 近义 available funds, current balance 反义 account deficit, overdraft | Your account balance is $500. 您的账户余额是500美元。 |
| transaction time | n. | /trænˈzækʃən taɪm/ | 交易时间 近义 time of transaction | The transaction time was 2:30 PM. 交易时间是下午2:30。 |
| bank fees | n. | /bæŋk fiːz/ | 银行费用 近义 service charges, banking costs 反义 free services, no fees | Bank fees can add up quickly. 银行费用会快速累积。 |
| monthly maintenance fee | n. | /ˈmʌnθli ˈmeɪntənəns fiː/ | 月度维护费 近义 monthly service charge 反义 free maintenance, no monthly fee | There's a monthly maintenance fee. 有月度维护费。 |
| overdraft fee | n. | /ˈoʊvərdræft fiː/ | 透支费 近义 overdraft charge, penalty fee | Overdraft fees are expensive. 透支费很贵。 |
| minimum balance | n. | /ˈmɪnəməm ˈbæləns/ | 最低余额 近义 required balance, balance requirement 反义 maximum balance, unlimited balance | Maintain a minimum balance to avoid fees. 保持最低余额以避免费用。 |
| waive | v. | /weɪv/ | 免除 近义 eliminate, remove, cancel 反义 charge, impose, add | The bank can waive certain fees. 银行可以免除某些费用。 |
刚到美国的时候，我急需去bank（银行）办理开户手续，因为现金用起来真的太不方便了。我选择了离住处最近的major banks（大型银行），因为他们的ATM machines（ATM机）比较多，而且more comprehensive service network（服务网点也更全面）。走进bank branch（银行分支机构），这个lobby（大厅）真的好宽敞！我看到有self-service area（自助服务区），但今天要办的事情比较复杂，还是去teller counter（柜台）比较好。这里有queuing system（排队系统），我需要从ticket machine（取号机）那里take a number（取号），然后等待叫号。终于轮到我了，银行工作人员很友好地询问我的需求。我说想要open an account（开户），她问我想要什么类型的账户。我说需要一个checking account（支票账户）用于日常transactions（交易），还想要一个savings account（储蓄账户）来save money（存钱）。她解释说checking account（支票账户）可以随时用debit card（借记卡）消费，而savings account（储蓄账户）能earn interest（赚取利息），但交易次数有限制。
0:00 / --:--接下来她要求我提供identification（身份证明），我拿出了passport（护照）作为身份证件。她还需要我的Social Security Number（社会安全号码），但我刚到美国还没有申请。然后她问我要不要申请credit card（信用卡），我说很感兴趣但没有信用记录。她建议我可以先申请debit card（借记卡），等建立了信用记录再考虑credit card（信用卡）。关于bank fees（银行费用），她说checking account（支票账户）有monthly maintenance fee（月度维护费），但如果保持minimum balance（最低余额）就可以waive（免除）这个费用。我觉得条件可以接受，就开始填写各种表格，提供个人信息和proof of address（地址证明）。填完表格后，她说debit card（借记卡）会在几个business days（工作日）内arrive by mail（邮寄到）我的地址。她还帮我设置了online banking（网上银行）和mobile banking（手机银行）服务，这样我就可以随时查看account balance（账户余额）和transaction record（交易记录）了。最后我make a deposit（存了一笔钱）开通账户，她给了我receipt（收据）作为transaction record（交易记录），并提醒我要保护好PIN code（密码）。走出银行的时候，我感觉终于在美国有了基本的金融服务！虽然过程有点复杂，但工作人员很耐心，让我这个初来乍到的学生感觉很安心。现在我可以用bank card（银行卡）消费，也可以通过mobile banking（手机银行）随时管理账户了！
When I first arrived in the United States, I urgently needed to go to a 银行 to handle account opening procedures because using cash was really inconvenient. I chose the nearest _______ 大型银行 to my residence because they have more _______ ATM机 and a _______ _______ _______ 更全面的服务网点. Walking into the _______ 银行分支机构, the 大厅 was really spacious! I saw there was a _______ 自助服务区, but since what I needed to handle today was quite complex, it was better to go to the _______ 柜台. There was a _______ 排队系统 here, so I needed to _______ _______ 取号 from the _______ 取号机 and then wait for my number to be called. Finally, it was my turn, and the bank staff kindly asked about my needs. I said I wanted to _______ _______ 开户, and she asked what type of account I wanted. I said I needed a _______ 支票账户 for daily 交易 and also wanted a _______ 储蓄账户 to _______ 存钱. She explained that a _______ 支票账户 allows you to spend with a _______ 借记卡 anytime, while a _______ 储蓄账户 can _______ 赚取利息 but has limited transaction frequency.
0:00 / --:--Next, she asked me to provide 身份证明, so I took out my 护照 as identification. She also needed my _______ _______ 社会安全号码, but I hadn't applied for one yet since I just arrived in America. Then she asked if I wanted to apply for a _______ 信用卡. I said I was interested but had no credit history. She suggested I could first apply for a _______ 借记卡 and consider a _______ 信用卡 after establishing credit history. Regarding _______ 银行费用, she said the _______ 支票账户 has a _______ _______ 月度维护费, but if I maintain the _______ 最低余额, I can 免除 this fee. I thought the conditions were acceptable, so I started filling out various forms, providing personal information and _______ _______ 地址证明. After completing the forms, she said the _______ 借记卡 would _______ _______ 邮寄到 at my address within a few _______ 工作日. She also helped me set up _______ 网上银行 and _______ 手机银行 services, so I could check my _______ 账户余额 and _______ 交易记录 anytime. Finally, I _______ _______ 存了一笔钱 to activate the account. She gave me a 收据 as a _______ 交易记录 and reminded me to protect my _______ 密码. When I walked out of the bank, I felt like I finally had basic financial services in America!
When I first arrived in the United States, I urgently needed to go to a bank to handle account opening procedures because using cash was really inconvenient. I chose the nearest major bank to my residence because they have more ATM machines and a more comprehensive service network. Walking into the bank branch, the lobby was really spacious! I saw there was a self-service area, but since what I needed to handle today was quite complex, it was better to go to the teller counter. There was a queuing system here, so I needed to take a number from the ticket machine and then wait for my number to be called. Finally, it was my turn, and the bank staff kindly asked about my needs. I said I wanted to open an account, and she asked what type of account I wanted. I said I needed a checking account for daily transactions and also wanted a savings account to save money. She explained that a checking account allows you to spend with a debit card anytime, while a savings account can earn interest but has limited transaction frequency.
刚到美国的时候，我急需去银行办理开户手续，因为现金用起来真的太不方便了。我选择了离住处最近的大型银行，因为他们的ATM机比较多，而且服务网点也更全面。走进银行分支机构，这个大厅真的好宽敞！我看到有自助服务区，但今天要办的事情比较复杂，还是去柜台比较好。这里有排队系统，我需要从取号机那里取号，然后等待叫号。终于轮到我了，银行工作人员很友好地询问我的需求。我说想要开户，她问我想要什么类型的账户。我说需要一个支票账户用于日常交易，还想要一个储蓄账户来存钱。她解释说支票账户可以随时用借记卡消费，而储蓄账户能赚取利息，但交易次数有限制。
0:00 / --:--Next, she asked me to provide identification, so I took out my passport as identification. She also needed my Social Security Number, but I hadn't applied for one yet since I just arrived in America. Then she asked if I wanted to apply for a credit card. I said I was interested but had no credit history. She suggested I could first apply for a debit card and consider a credit card after establishing credit history. Regarding bank fees, she said the checking account has a monthly maintenance fee, but if I maintain the minimum balance, I can waive this fee. I thought the conditions were acceptable, so I started filling out various forms, providing personal information and proof of address. After completing the forms, she said the debit card would arrive by mail at my address within a few business days. She also helped me set up online banking and mobile banking services, so I could check my account balance and transaction records anytime. Finally, I made a deposit to activate the account. She gave me a receipt as a transaction record and reminded me to protect my PIN code. When I walked out of the bank, I felt like I finally had basic financial services in America! Although the process was a bit complex, the staff was patient, which made me, a newcomer, feel very reassured.
接下来她要求我提供身份证明，我拿出了护照作为身份证件。她还需要我的社会安全号码，但我刚到美国还没有申请。然后她问我要不要申请信用卡，我说很感兴趣但没有信用记录。她建议我可以先申请借记卡，等建立了信用记录再考虑信用卡。关于银行费用，她说支票账户有月度维护费，但如果保持最低余额就可以免除这个费用。我觉得条件可以接受，就开始填写各种表格，提供个人信息和地址证明。填完表格后，她说借记卡会在几个工作日内邮寄到我的地址。她还帮我设置了网上银行和手机银行服务，这样我就可以随时查看账户余额和交易记录了。最后我存了一笔钱开通账户，她给了我收据作为交易记录，并提醒我要保护好密码。走出银行的时候，我感觉终于在美国有了基本的金融服务！虽然过程有点复杂，但工作人员很耐心，让我这个初来乍到的学生感觉很安心。
When I first arrived in the United States, I urgently needed to go to a bank to handle account opening procedures because using cash was really inconvenient. I chose the nearest major bank to my residence because they have more ATM machines and a more comprehensive service network.
刚到美国的时候，我急需去银行办理开户手续，因为现金用起来真的太不方便了。我选择了离住处最近的大型银行，因为他们的ATM机比较多，而且服务网点也更全面。
0:00 / --:--Walking into the bank branch, the lobby was really spacious! I saw there was a self-service area, but since what I needed to handle today was quite complex, it was better to go to the teller counter. There was a queuing system here, so I needed to take a number from the ticket machine and then wait for my number to be called.
走进银行分支机构，这个大厅真的好宽敞！我看到有自助服务区，但今天要办的事情比较复杂，还是去柜台比较好。这里有排队系统，我需要从取号机那里取号，然后等待叫号。
0:00 / --:--Finally, it was my turn, and the bank staff kindly asked about my needs.
终于轮到我了，银行工作人员很友好地询问我的需求。
Bank Teller: "How can I help you today?"
银行出纳员："今天我能为您做什么？"
Me: "I'd like to open an account."
我："我想开户。"
Bank Teller: "What type of account are you looking for?"
银行出纳员："您想要什么类型的账户？"
Me: "I need a checking account for daily transactions and also want a savings account to save money."
我："我需要一个支票账户用于日常交易，还想要一个储蓄账户来存钱。"
Bank Teller: "A checking account allows you to spend with a debit card anytime, while a savings account can earn interest but has limited transaction frequency. May I see your identification, please?"
银行出纳员："支票账户可以随时用借记卡消费，而储蓄账户能赚取利息，但交易次数有限制。请出示您的身份证明好吗？"
Me: "Here's my passport."
我："这是我的护照。"
Bank Teller: "Thank you. I also need your Social Security Number."
银行出纳员："谢谢。我还需要您的社会安全号码。"
Me: "I haven't applied for one yet since I just arrived in America."
我："我刚到美国还没有申请。"
0:00 / --:--Bank Teller: "Would you like to apply for a credit card?"
银行出纳员："您要不要申请信用卡？"
Me: "I'm interested, but I don't have any credit history."
我："我很感兴趣，但没有信用记录。"
Bank Teller: "I suggest you could first apply for a debit card and consider a credit card after establishing credit history."
银行出纳员："我建议您可以先申请借记卡，等建立了信用记录再考虑信用卡。"
Bank Teller: "Regarding bank fees, the checking account has a monthly maintenance fee, but if you maintain the minimum balance, you can waive this fee."
银行出纳员："关于银行费用，支票账户有月度维护费，但如果保持最低余额就可以免除这个费用。"
Me: "That sounds reasonable. What's the minimum balance requirement?"
我："听起来很合理。最低余额要求是多少？"
0:00 / --:--I thought the conditions were acceptable, so I started filling out various forms, providing personal information and proof of address.
我觉得条件可以接受，就开始填写各种表格，提供个人信息和地址证明。
Bank Teller: "After completing the forms, your debit card will arrive by mail at your address within a few business days. Let me also help you set up online banking and mobile banking services, so you can check your account balance and transaction records anytime."
银行出纳员："填完表格后，您的借记卡会在几个工作日内邮寄到您的地址。我还帮您设置网上银行和手机银行服务，这样您就可以随时查看账户余额和交易记录了。"
Me: "That's very convenient! Thank you for setting that up for me."
我："这太方便了！谢谢您帮我设置这些服务。"
0:00 / --:--Finally, I made a deposit to activate the account.
最后我存了一笔钱开通账户。
Bank Teller: "Here's your receipt as a transaction record. Please remember to protect your PIN code."
银行出纳员："这是您的收据作为交易记录，请记得保护好您的密码。"
Me: "I will. Thank you so much for all your help today!"
我："我会的。非常感谢您今天的帮助！"
When I walked out of the bank, I felt like I finally had basic financial services in America! Although the process was a bit complex, the staff was patient, which made me, a newcomer, feel very reassured.
走出银行的时候，我感觉终于在美国有了基本的金融服务！虽然过程有点复杂，但工作人员很耐心，让我这个初来乍到的学生感觉很安心。