Opening a bank account

词汇语法及实用表达

对话场景

文化拓展

The US banking system

美国银行体系

Types of banks

银行类型

There are several different types of banking institutions in the US, and although initially they were all very distinct, nowadays they’re more or less the same:

美国有几种不同类型的银行机构，虽然最初它们都很独特，但现在它们或多或少都是一样的：

1. Commercial banks were initially established to provide services for businesses.

商业银行最初是为企业提供服务的。

2. Savings banks were meant to provide a place for lower-income workers to save their money.

储蓄银行成立的目的是为低收入工人提供一个存钱的地方。

3. Savings and loan associations and cooperative banks were established to make it possible for lower-income workers to buy homes.

储蓄贷款协会和合作银行的成立使低收入工人购买住房成为可能。

4. Credit unions were started by people who shared a common bond to provide emergency loans for people who couldn’t afford to get loans from traditional lenders.

信用合作社是由那些共享共同债券的人发起的，他们为那些无法从传统的放贷机构获得贷款的人提供紧急贷款。

Types of accounts

账户类型

The two most common bank accounts are checking accounts and savings accounts:

两种最常见的银行账户是支票账户和储蓄账户：

1. Checking accounts allow you to deposit and withdraw money frequently. When you open a checking account, you usually get a checkbook and a bank card, which you can use to make purchases and pay bills. Often these accounts have minimum monthly balances and service fees.

支票账户可以让你经常进行存款和取款。当你开一个支票账户时，你通常会得到一本支票簿和一张银行卡，你可以用来购物和支付账单。这些账户通常每月有最低余额限制并收取服务费。

2. Savings accounts are for long-term deposits for earning interest. Interest rates, minimum balances, and service fees for savings accounts vary from bank to bank, and also depend on the amount of money deposited.

储蓄账户是为了赚取利息而进行的长期存款。储蓄账户的利率、最低余额和服务费因银行而异，也取决于存款金额。

Source: https://www.internationalstudentloan.com/resources/understanding-us-banking-system.php

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