【雅思020】Opening a bank account

A: Next please, May I help you sir.
B: hello, Yes. I’d like to open a bank account
A: certainly, I can help you with that. What type of account would you like to open? A checking or savings account?
B: Hmm, what features do they offer
A:well if you just look here. See with our checking account, you can help have unlimited daily transaction for a small monthly fee, and our savings account has a higher interest rates, but you must carry a minimum balance of $10000, 

B: I see, well, I think I’m more interested in a checking account, I’d like to have easy access to my money.
A:Alright, then, with this checking account, you will be issued with a debit card and a checkbook.Will you require overdraft protection. There is an extra fee for that.
B: No that won’t be necessary
A: in that case, I’ll get you to fill out this paperwork. I’ll need you social insurance number and two piece of government ID, if you could just sign here and here and here, we’ll be all set, would you like to make a deposit today?
B: yes, I’d like to deposit $1 billion

Checking account: a type of bank account that allows you to deposit and withdraw money easily, typically used for daily transactions such as paying bills, shopping, and transferring funds.
Savings account:  a type of bank account designed for storing money while earning interest over time
Transaction:an occasion when someone buys or sells something, or when money is exchanged or the activity of buying or selling something
[eg] I need a record of my most recent bank transactions.
[eg] there is no fee for bank transactions done online
[eg] OK, we’ve deposited your money, would you like to make another transaction today?

Balance: a state where things are of equal weight or force
Overdraft:an amount of money that a customer with a bank account is temporarily allowed to owe to the bank, or the agreement that allows this
[eg] the maximum overdraft on my account is only $5000
[eg] I’m sorry, sir,,but you’ve exceeded your maximum overdraft limit.I can’t give you more money.
[eg] Oh,no, I have to pay 15 dollars in overdraft fees.

Feature: a typical quality or an important part of something
Access: the method or possibility of getting near to a place or person
Deposit：to leave something somewhere； to put something valuable, especially money, in a bank or safe
Teller：a person employed in a bank to receive and pay out money

Debit card:
Credit card:
Online banking
Telephone banking
Terms and conditions
High interest account
I’ll get you
I’ll need you
If you could just