去銀行如何開辦新賬戶？新賬戶一次性透支額度的上限是多少

今天的這段對(duì)話，在討論開辦新賬戶，
 
去銀行如何開辦新賬戶？新賬戶一次性透支額度的上限是多少
 
來聽今天的講解:
 
A:  good morning. How can I help you?
 
早上好，有什么能幫忙的嗎？
 
B:  I'd like to open a new account.
 
我想開個(gè)新賬戶。
 
A:  have you filled out an application form?
 
您填好申請(qǐng)表了嗎？
 
B:  yes. And I've brought some documents along with me, too. Do you need to see my passport?
 
填好了。而且，我也帶了相關(guān)的文件。你要看我的護(hù)照嗎？
 
A:  yes. I'll just have my assistant looko 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。我讓我的助理迅速瀏覽一遍這些文件，然后我們就可以進(jìn)行下一步了。您是想要開一個(gè)活期賬戶和一個(gè)定期儲(chǔ)蓄賬戶嗎？
 
B:  yes. Does the checking account come with a debit card?
 
沒錯(cuò)。活期賬戶是不是會(huì)附帶一個(gè)借記卡？
 
A:  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.
 
對(duì)。實(shí)際上兩個(gè)賬戶都有可以供您在自動(dòng)取款機(jī)上使用的卡。這樣您就不用到銀行柜臺(tái)來辦理轉(zhuǎn)賬業(yè)務(wù)了。
 
B:  that's very convenient.
 
這樣很方便。
 
A:  it is. Our customers really like it. Do you have any other questions about your new accounts?
 
的確是。我們的客戶都很喜歡這個(gè)服務(wù)。關(guān)于新賬戶您還有其它問題嗎？
 
B:  yes. What's the maximum amount that you are allowed to have in an overdraft?
 
有。這個(gè)賬戶一次性透支額度的上限是多少？
 
A:  the maximum is $1000.
 
最大額度是1000美元。
 
B:  is there a penalty for having an overdraft?
 
超過這個(gè)額度有罰金嗎？
 
A:  yes, but it's not much. You just have to pay 1% interest on the account. 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。您需要支付總額的1%的利息。這比我們?nèi)魏蔚囊环N貸款業(yè)務(wù)都要低得多，而且比大多數(shù)信用卡透支都要便宜。
 
B:  that's true. Is everything alright with my documents?
 
您說的沒錯(cuò)。我的文件處理好了嗎？
 
A:  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。只要您在這里簽個(gè)名，三周左右就可以收到郵寄給您的卡和密碼了。
 
B:  thank you very much.
 
非常感謝。
 
A:  you're welcome.
 
不用客氣。