Interactive transcript · 247 lines
Hello, and welcome back to TalkCast Speaking.
你好，欢迎回到 TalkCast 口语频道。
I'm your host, Emma.
我是你的主持人艾玛。
It's so wonderful to have you with us today.
今天能有你陪伴真是太棒了。
If you're listening to this, you're taking a fantastic step toward mastering English in your daily life.
如果你正在收听，说明你正迈出在日常生活中掌握英语的极佳一步。
Today, we're diving into a topic that almost everyone has to face when they move or travel abroad,
今天，我们要深入探讨一个几乎每个人在搬家或去国外旅行时都要面对的话题，
opening a bank account and depositing money.
开设银行账户并存钱。
Yes, banking in English can feel very intimidating, but don't worry.
是的，用英语办理银行业务可能会让人感觉非常吓人，但别担心。
We are going to break it down step by step.
我们将一步步将其拆解开来。
And to help us navigate this, I have a very special guest in the studio.
为了帮助我们应对这一难题，我邀请到了一位非常特别的嘉宾来到演播室。
Please welcome Kevin.
请欢迎凯文。
Hi, Emma.
嗨，艾玛。
Hi, everyone.
嗨，大家好。
Thank you so much for having me.
非常感谢邀请我。
I am so excited.
我太兴奋了。
But honestly, I'm also a little nervous.
不过说实话，我也有一点紧张。
I just arrived in New York two weeks ago to start my graduate studies.
我两周前刚到纽约开始我的研究生学业。
And let me tell you, walking into an American bank last Monday was one of the scariest things I've
跟你说吧，上周一走进一家美国银行是我做过的最可怕的事情之一
done so far.
迄今为止做过的。
I felt like my English just completely disappeared.
我感觉我的英语完全消失了。
Oh, Kevin, please don't feel bad.
噢，凯文，请不要感到难过。
That is completely normal.
那完全是正常的。
Even advanced English speakers can get nervous in a bank because the vocabulary is so specific.
即使是高级英语使用者在银行也会紧张，因为那里的词汇非常专业。
But you are in the right place.
但你来对了地方。
Today, we are going to build your confidence.
今天，我们将建立你的信心。
By the end of this episode, you'll be able to walk into any bank and open an account like a pro.
在这集节目结束时，你就能像个专业人士一样走进任何一家银行开户了。
So tell me, Kevin, what happened when you went to the bank last Monday?
那么告诉我，凯文，上周一你去银行时发生了什么？
Well, first, I walked up to the counter and told the banker, I want to make a new bank card.
嗯，首先，我走到柜台前告诉银行工作人员，我想办一张新银行卡。
The banker looked a bit confused for a second and then said, Oh, you'd like to open an account?
银行工作人员愣了一下，看起来有点困惑，然后说，哦，您想开个账户？
I was so embarrassed.
我当时太尴尬了。
Is make a bank card wrong?
说 make a bank card 是错误的吗？
Ah, what a perfect example to start with.
啊，这真是个开始讨论的完美例子。
Don't worry, they understood you, but it's not how a native speaker would say it.
别担心，他们听懂了，但这并不是母语使用者会表达的方式。
Let's look at this closely.
让我们仔细地来看看这一点。
In Chinese, we often say, ban ka or zuo jang ka.
在中文里，我们经常说“办卡”或“做张卡”。
So it's natural to translate that directly as make a card.
所以很自然地会将其直接翻译为 make a card。
But in English, the card is just a tool.
但在英语中，卡片只是一种工具。
What you are actually doing is setting up the financial relationship with the bank.
你实际上要做的是与银行建立金融关系。
So we use the verb open and the noun account.
所以我们使用动词 open 和名词 account。
Let's say that together.
让我们一起读一遍。
Open an account.
开设一个账户。
Ah, I see.
啊，我明白了。
Open an account.
开立一个账户。
That makes so much sense.
这太有道理了。
So instead of make a card, I should say, I would like to open an account. Exactly.
所以而不是说 make a card，我应该说，I would like to open an account。没错。
You got it.
你搞懂了。
I'd like to open an account is the perfect polite way to start.
I'd like to open an account 是极佳且礼貌的开场方式。
Now, once you say that, the banker is going to ask you a very important question.
现在，一旦你说了这句话，银行工作人员就会问你一个非常重要的问题。
They'll ask, would you like to open a checking account or a savings account?
他们会问，您想开立支票账户还是储蓄账户？
Or maybe both?
或者也许两者兼有？
When you heard that, Kevin, did you know the difference?
当听到那句话时，凯文，你知道这两者的区别吗？
Oh, that was my second big puzzle.
哦，那是我遇到的第二个大难题。
I heard checking and thought, are they going to check my background?
我听到 checking，以为他们要调查我的背景呢？
Or checking, like checking a bag at the airport.
或者是托运，就像在机场托运行李一样。
And savings, well, I guess that had to do with saving money, but I wasn't sure how they work together.
至于储蓄，嗯，我想这肯定和攒钱有关，但我不太确定它们是如何结合在一起的。
I love that.
我喜欢这个说法。
Checking doesn't mean they are checking up on you.
Checking 并不意味着他们在审查你。
Let's simplify this.
让我们简化一下。
A checking account is your everyday account.
支票账户就是你的日常账户。
It's where your money goes in and out constantly.
这是你的资金不断进出的地方。
You use it to pay bills, buy groceries, and withdraw cash.
你用它来支付账单、购买杂货和提取现金。
It usually comes with a debit card.
它通常配备一张借记卡。
Put simply, a checking account is for spending.
简单来说，支票账户是用来消费的。
Okay, so a checking account is for my daily expenses and it uses a debit card.
好的，所以支票账户是用于我日常开支的，并且使用的是借记卡。
Got it.
明白了。
What about a savings account?
那储蓄账户呢？
A savings account is exactly what it sounds like.
储蓄账户正是字面上的意思。
It's for keeping money that you don't plan to spend immediately.
它是用来存你近期不打算立即花掉的钱。
The benefit of a savings account is that it earns interest, which is lixi in Chinese.
储蓄账户的好处在于它可以赚取利息，也就是中文里的“利息”。
Although these days the interest rate might be very low, it's still a safer place to keep your
虽然现在利率可能非常低，但它仍然是一个更安全的地方来存放你的
emergency fund.
紧急备用金。
We often call this a rainy day fund.
我们经常称之为未雨绸缪的基金。
Ah, rainy day fund.
啊，阴雨日备用金。
That's a beautiful idiom.
那真是个美好的成语。
It means money saved for unexpected situations, right?
它的意思是为突发状况存的钱，对吧？
Like if my laptop breaks and I need to buy a new one. Precisely.
就像如果我的笔记本电脑坏了，我需要买个新的。正是如此。
You're a natural, Kevin.
凯文，你真是个有天赋的人。
Now let's talk about the two main actions you do with these accounts.
现在我们来谈谈你在这些账户中进行的两大主要操作。
Putting money in and taking money out.
存钱和取钱。
Kevin, if you wanted to put $500 into your account, what would you say to the teller?
凯文，如果你想把500美元存入账户，你会对银行柜员说什么？
Hmm, I think I would say I want to put $500 in my account.
嗯，我想我会说我想在账户里存500美元。
That's actually grammatically correct and people will understand you.
这在语法上其实是正确的，人们也能听懂你的意思。
But if you want to sound more professional and dedau, we use the verb deposit.
但如果你想听起来更专业、更地道，我们会使用动词 deposit。
Let's focus on this word.
让我们聚焦于这个词。
Say it with me. Deposit. Deposit. Deposit. Deposit. Perfect.
和我一起读。Deposit。Deposit。Deposit。Deposit。完美。
And the opposite, taking money out, is withdraw.
而相反的，把钱取出来，就是 withdraw。
Let's pay attention to the pronunciation of this one.
我们要注意一下这个词的发音。
It ends with a soft sound followed by a draw. Withdraw.
它以一个柔和的音结尾，后面跟着 draw。Withdraw。
Let's try it, Kevin. Withdraw. Withdraw?
让我们试试，凯文。Withdraw。Withdraw？
Did I get it right?
我读对了吗？
That was excellent. Yes.
太棒了。是的。
Let's make complete sentences now.
现在让我们造完整的句子。
I'd like to make a deposit or I'd like to deposit $500.
我想办理存款，或者我想存500美元。
And for taking money out, I'd like to make a withdrawal, which is the noun form, or I'd like to
至于取钱，可以说 I'd like to make a withdrawal（这是名词形式），或者 I'd like to
withdraw $500.
提取500美元。
Okay, let me write this down.
好的，让我写下来。
I'd like to make a deposit and I'd like to make a withdrawal.
我想办理存款，我想办理取款。
These sound so much more professional than put money in and take money out.
这些听起来比“存钱”和“取钱”要专业得多。
They really do.
确实如此。
Now, building on that, let's look at some important terms you'll hear when opening an account.
现在在此基础上，让我们来看一些你在开户时会听到的重要术语。
The banker will likely say, you need a minimum deposit to open the account.
银行工作人员可能会说，开户需要最低存款额。
Kevin, what do you think minimum deposit means?
凯文，你觉得最低存款是什么意思？
Does it mean the smallest amount of money I must put in at the very beginning to start the account?
这是否意味着为了开户，我一开始必须存入的最小金额？
Spot on, yes.
完全正确，是的。
For example, some banks require a minimum deposit of $25 or $50.
例如，有些银行要求最低存款为 25 美元或 50 美元。
Another thing they might mention is the monthly maintenance fee or monthly service fee.
他们可能提到的另一件事是每月维护费或每月服务费。
This is a charge the bank takes every month just for keeping your account open.
这是银行每月仅仅为了保持你的账户开通而收取的费用。
Wait, really?
等等，真的吗？
They charge me just to keep my money there?
我把钱存在那里，他们竟然还要收我的费？
That's terrible.
那太糟糕了。
Can we avoid this fee?
我们能避免这笔费用吗？
Yes, it surprises many international students.
是的，这让许多留学生感到吃惊。
But here is an insider tip.
但这里有一个内部窍门。
You can often get this fee waived.
你通常可以免除这笔费用。
To waive a fee means to cancel or remove it.
免除费用意味着取消或移除它。
To waive the fee, you usually need to maintain a minimum balance, which means keeping a certain
要免除这笔费用，你通常需要保持最低余额，也就是始终在账户里保留
amount of money in the account at all times, or set up direct deposit.
一定数量的资金，或者设置直接存款。
Ah, direct deposit.
啊，直接存款。
I've heard that term before.
我以前听说过那个术语。
What exactly is it?
它究竟是什么？
Direct deposit is a system where your employer or school pays your salary or stipend directly into
直接存款是一种系统，雇主或学校会直接将你的工资或津贴打入
your bank account electronically instead of giving you a paper check.
你的银行账户，通过电子方式而不是给你纸质支票。
It's super convenient.
这超级方便。
If you tell the bank, I will set up direct deposit from my university, they will often waive the
如果你告诉银行，“我会设置来自大学的 直接存款”，他们通常会免除
monthly fee.
每月费用。
Wow, that is an incredibly useful tip.
哇，这真是个极其有用的窍门。
I will definitely ask about that when I go back.
我回去后一定会问问这件事。
So I can ask, can you waive the monthly fee if I set up direct deposit? Beautiful.
所以我可以问：“如果我设置直接存款，能免除月费吗？”太棒了。
That is a perfect question.
那是一个完美的问题。
You sound like a native customer already.
你听起来已经像个本地顾客了。
Now, before we do some real -life roleplay, let's talk about the documents you need.
现在，在我们进行一些实景角色扮演之前，先谈谈你需要的文件。
The banker will say, I'll need two forms of ID.
银行柜员会说：“我需要两种身份证明。”
This is another phrase that trips up a lot of newcomers.
这是另一个经常难倒很多新人的短语。
Kevin, if they ask for two forms of ID, what are they looking for?
凯文，如果他们要两种身份证明，他们到底在找什么？
I guess one is my passport, but what is the second one?
我猜一个是我的护照，但第二个是什么呢？
I don't have an American driver's license yet.
我还没有美国驾照。
Great question.
好问题。
For international students, two forms of ID usually means your passport plus another official
对于国际学生来说，两种身份证明通常意味着你的护照加上另一份官方
document with your name on it.
上面印有你名字的文件。
This could be your student ID card, your I -20 form, or even a major credit card from your home country.
这可以是你的学生证、I-20 表格，甚至是来自你母国的一张主要的信用卡。
They also usually need a proof of address, like a utility bill or a lease agreement, to show that
他们通常还需要地址证明，比如水电气账单或租赁协议，以证明
you actually live where you say you live.
你确实住在你所说的地方。
Ah, proof of address.
啊，地址证明。
I have my apartment lease agreement.
我有我的公寓租赁协议。
Would that work?
那样行吗？
Yes, a lease agreement is perfect.
是的，租赁协议非常完美。
Now, speaking of money and spending, there's one danger I must warn you about.
现在说到钱和消费，有一个危险我必须提醒你。
Overdraft fees.
透支费。
Have you heard of this, Kevin?
你听说过这个吗，凯文？
No, I haven't.
不，我没有。
What does overdraft mean?
透支是什么意思？
To overdraft means to spend more money than you actually have in your checking account.
透支的意思是花掉比你支票账户里实际拥有的更多的钱。
For example, if you only have $10 in your account, but you buy a lunch that costs $15 using your
例如，如果你的账户里只有10美元，但你买了一份15美元的午餐，使用的是你的
debit card, the bank might let the transaction go through, but they will charge you an overdraft
借记卡，银行可能会让这笔交易通过，但他们会收取你透支
fee, which is often around $35.
费用，通常在35美元左右。
So that $15 lunch suddenly costs you $50.
所以那顿15美元的午餐突然花掉了你50美元。
Oh my goodness, $35 for a $5 overdraft?
哦，我的天哪，透支5美元要罚35美元？
That really would break the bank for me.
那对我来说确实吃不消。
I need to be very careful.
我需要非常小心。
Yes, and look at you using the idiom break the bank correctly.
是的，瞧你正确地使用了“break the bank”这个成语。
That means to cost too much or exhaust your budget.
意思是花费太多或耗尽你的预算。
Very nice usage, Kevin.
非常棒的用法，凯文。
Yes, overdraft fees are no joke.
是的，透支费可不是开玩笑的。
So it's always wise to ask the bank to turn off overdraft protection.
所以要求银行关闭透支保护总是明智的。
So your card just gets declined instead of charging you a fee.
这样你的卡只会被拒绝，而不会收取你费用。
That's a life -saving tip, Emma.
这真是个救命的诀窍，艾玛。
Thank you.
感谢你。
My pleasure.
我的荣幸。
Now, Kevin, are you ready to put all of this into practice?
现在，凯文，你准备好把这一切付诸实践了吗？
Let's do a quick role play.
我们来进行一个快速的角色扮 演吧。
I will play the friendly bank teller and you will be yourself, walking into the bank to open your
我会扮演友好的银行柜员，而你会是你自己，走进银行去开你的
first account.
第一个账户。
Don't worry about making mistakes.
不要担心犯错误。
Just breathe and use what we talked about. Ready? Ready.
只需深呼吸，运用我们所谈论的内容。准备好了吗？准备好了。
Let's do this.
让我们做这个吧。
Welcome to Community First Bank.
欢迎来到第一社区银行。
How can I help you today?
今天有什么我可以帮助您的？
Hi, good morning.
嗨，早晨好。
I'd like to open an account, please. Excellent.
我想开一个账户，谢谢。太好了。
We can certainly help you with that.
我们当然可以帮您办理。
Are you looking to open a checking account or a savings account today?
您今天想开立支票账户还是储蓄账户？
I would like to open both, actually.
实际上，我想两个都开。
A checking account for my daily expenses and a savings account to earn some interest. Perfect.
支票账户用于日常开支，储蓄账户用来赚取一些利息。完美。
I can set that up for you.
我可以为您办理。
To get started, I'll need two forms of identification and a proof of address.
首先，我需要两种形式的身份证明和一份地址证明。
Do you have those with you? Yes.
您随身带了吗？是的。
I brought my passport and my student ID.
我带了我的护照和学生证。
For proof of address, here's my apartment lease agreement. Great.
关于地址证明，这是我的公寓租约协议。太好了。
These look perfect.
这些看起来很完美。
Now, for our standard checking account, there is a monthly maintenance fee of $12.
现在，对于我们的标准支票账户，每月有12美元的维护费。
However, we can waive that fee if you maintain a minimum balance of $1 ,500 or if you set up direct deposit.
但是，如果您保持最少1500美元的余额或者设置直接存款，我们可以免除该费用。
Oh, that's great.
噢，那太棒了。
I am a student and I will get a monthly stipend for my university.
我是一名学生，每月会从大学获得一笔津贴。
Can I use that to set up direct deposit to waive the fee? Absolutely.
我可以用那个来设定直接存款以免除费用吗？当然可以。
Once the first direct deposit comes in, the fee will be waived automatically.
一旦第一笔直接存款到位，费用将被自动免除。
Now, to open the accounts, is there a minimum deposit you'd like to make today? Yes.
现在开户，您今天想进行最低额度的存款吗？是的。
I would like to deposit $500 into my checking account and $200 into my savings account. Wonderful.
我想往支票账户存入500美元，往储蓄账户存入200美元。太棒了。
I will process those deposits for you.
我会为您处理这些存款。
Here is your new debit card.
这是您的新借记卡。
Is there anything else I can help you with?
还有其他什么我可以帮您的吗？
Actually, yes.
实际上，是的。
I want to avoid overdraft fees.
我想避免透支费。
Can you disable overdraft protection on my card? Certainly.
你能禁用我卡上的透支保护吗？当然可以。
I've set it up so that if there are insufficient funds, the transaction will simply be declined and
我已经设置好了，如果资金不足，交易将被直接拒绝，并且
you won't be charged any fees.
您不会被收取任何费用。
And we're all set.
这样就全都准备就绪了。
Here are your documents.
这是您的文件。
Thank you so much.
非常感谢你。
You've been very helpful.
你真的很有帮助。
And scene.
表演结束。
Wow, Kevin.
哇，凯文。
That was absolutely flawless.
那简直太完美了。
You used open an account, direct deposit, deposit, savings account, and you even asked about turning
你用了开户、直接存入、存款、储蓄账户，甚至还询问了关闭
off overdraft protection.
透支保护。
How did that feel?
感觉如何？
Wow, Emma.
哇，艾玛。
That felt amazing.
感觉太棒了。
Having those specific phrases ready -made made me feel so in control.
掌握那些特定的现成短语让我感觉很有掌控感。
I wasn't searching for translations in my head because I already knew the right words to use.
我不需要在脑子里寻找翻译，因为我已经知道该用哪些词了。
I feel so much more confident now.
我现在感觉自信多了。
I am so proud of you, Kevin.
我为你感到自豪，凯文。
You did an incredible job.
你做得非常出色。
And that is the secret of language learning.
这就是语言学习的秘诀。
Once you have the right structures and vocabulary scaffolds, the fear just melts away.
一旦你有了合适的结构和词汇脚手架，恐惧就会消退。
It really does.
确实如此。
I can't wait to go back to my real bank tomorrow and get my account sorted out.
我等不及明天回到我真正的银行把我的账户处理好。
That's the spirit.
就是这种精神！
Before we wrap up today's episode, let's do a quick recap of the core points we learned today so our
在结束今天的节目之前，让我们快速回顾一下今天学到的核心要点，以便我们的
listeners can lock them in.
听众能够牢牢记住它们。
First, remember, don't say make a bank account.
首先，记住，不要说 make a bank account。
Say open an account.
要说开设账户。
Second, know the difference between a checking account for daily expenses and a savings account for saving.
其次，要弄清用于日常开销的支票账户和用于储蓄的储蓄账户之间的区别。
Third, use the professional words deposit to put money in and withdraw to take money out.
第三，使用专业词汇存款 （deposit）和取款（withdraw）。
Fourth, ask the bank to waive the monthly fee by setting up direct deposit.
第四，通过设置直接存入来要求银行免除月费。
And finally, be careful of overdraft fees.
最后，要注意透支费。
That's a perfect summary, Emma.
这是一个完美的总结，艾玛。
For everyone listening at home, my advice is to try practicing this roleplay with a friend.
对于在家收听的各位，我的建议是尝试和朋友一起练习这个角色扮演。
It really helps to say the words out loud.
把这些词大声说出来真的很有效。
That is a brilliant suggestion, Kevin.
那真是个绝妙的建议，凯文。
Thank you so much for joining us today and sharing your story.
非常感谢你今天加入我们并分享你的故事。
To all our fantastic listeners, if you enjoyed today's episode, please consider joining our Talkcast
对于我们所有棒极了的听众，如果您喜欢今天的节目，请考虑加入我们的 Talkcast
member community, subscribing and sharing this podcast with your friends.
会员社区，订阅并与您的朋友分享本播客。
Your feedback and support keep us going.
您的反馈和支持是我们前进的动力。
What oral English topics are you struggling with?
你在哪些英语口语话题上感到吃力？
Let us know in the comment section below and we might just feature your topic in our next episode.
请在下方的评论区告诉我们，我们可能会在下一期节目中专题介绍你的话题。
Until next time, keep practicing, stay confident, and we'll talk to you soon on Talkcast Speaking. Bye!
下次见，保持练习，保持自信，我们很快就会在 Talkcast Speaking 上再聊。再见！
Bye everyone.
大家再见。
Thank you.
感谢你。
