12.不同的银行账户

Different Bank Accounts 不同的银行账户

　　A: Now that I have my first job, I need a bank account.

　　A： 现在我有了第一份工作，我需要一个银行账户。

　　B: What kind of bank account are you going to open?

　　B： 你打算开什么样的银行账户？

　　A: There are different types of bank accounts?

　　A： 有不同类型的银行账户？

　　B: You can open a checking account.

　　B： 你可以开一个支票账户。

　　A: That means I'll have checks to pay bills, right?

　　A： 这意味着我会有支票付账，对吧？

　　B: Yes, and you'll get a debit¹ card you can use, too.

　　B： 是的，你也会得到一张可以使用的借记卡。

　　A: That's different from a credit card, right?

　　A： 这和信用卡不一样，对吧？

　　B: Yes, a debit card takes money directly from your bank account.

　　B： 是的，借记卡直接从你的银行账户里取钱。

　　A: So what is a savings² account?

　　A： 那么储蓄账户是什么呢？

　　B: That's a low interest earning account meant for you to save money.

　　B： 这是一个低息账户，你可以用来存钱。

　　A: So that's not for everyday spending?

　　A： 所以这不是日常开销吗？

　　B: No, that's to save up for your retirement³.

　　B： 不，那是为你的退休储蓄。

1 debit   

n.借方，借项，记人借方的款项

参考例句：

• To whom shall I debit this sum?此款应记入谁的账户的借方？
• We undercharge Mr.Smith and have to send him a debit note for the extra amount.我们少收了史密斯先生的钱，只得给他寄去一张借条所要欠款。

2 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

3 retirement   

n.退休，退职

参考例句：

• She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
• I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。