银行—Banks（在线收听）

>> Yesterday, I went to a bank to open up a savings and checking account. I deposit about $300 every month in my savings account to save money for major purchases or for a rainy day when I have unexpected expenses. My paycheck is deposited directly into my checking account, and I write out checks to pay my bills. My checking account is free if I maintain a minimum balance of $25 in the account. I also have about $100 automatically transferred from my checking to my savings account on a monthly basis. The accounts earn very little interest, but it's better than earning nothing. Therefore, I also have a certificate of deposit that earns a higher rate of interest, but I can't withdraw the money from the account for one year. Actually, I need money because I'm planning on taking out a student loan to pay for college tuition. Also, I rent a safety deposit box at the bank and store my valuables there including important documents, some coins and jewelry, and the deed, or ownership record, to my house. Finally, I can exchange my money into the currency of other countries, or I can buy traveller's checks before I depart on a trip.