开立基本银行账户
Opening a Basic Bank Account
一位新客户到银行开立一个标准的支票或储蓄账户，与银行柜员讨论所需文件和基本账户功能。
对话轮次
10
预计时长
5 分钟
场景
基础金融服务
完整对话内容
以下是该情境的完整英语对话，包含中英文对照和重点解析
👩
Sarah
第 1 轮
Hi, I'd like to open a new bank account today.
English
您好，我今天想开一个新的银行账户。
中文翻译
👨
John
第 2 轮
Certainly. Are you looking for a checking account, a savings account, or perhaps both?
English
当然可以。您是想开支票账户、储蓄账户，还是两者都开？
中文翻译
👩
Sarah
第 3 轮
A basic checking account for everyday use would be great.
English
一个用于日常使用的基本支票账户就可以了。
中文翻译
👨
John
第 4 轮
Okay. To open an account, you'll need a valid government-issued ID, like a passport or driver's license, and proof of address, such as a utility bill.
English
好的。开立账户需要您提供一份有效的政府颁发身份证件，比如护照或驾照，以及一份地址证明，例如水电费账单。
中文翻译
👩
Sarah
第 5 轮
Great, I have my passport and a utility bill with me.
English
太好了，我带着我的护照和水电费账单。
中文翻译
👨
John
第 6 轮
Excellent. Our basic checking account typically comes with a debit card and online banking access. Are there any specific features you're interested in?
English
很好。我们的基本支票账户通常都配有借记卡和网上银行服务。您对哪些具体功能感兴趣吗？
中文翻译
👩
Sarah
第 7 轮
Online banking sounds good. Are there any monthly maintenance fees?
English
网上银行听起来不错。有月度维护费吗？
中文翻译
👨
John
第 8 轮
For the basic checking account, the monthly fee is waived if you maintain a minimum balance or set up direct deposit. I can explain the details during the application process.
English
对于基本支票账户，如果您保持最低余额或设置直接存款，可以免除月费。在申请过程中我可以详细解释这些细节。
中文翻译
👩
Sarah
第 9 轮
That sounds fair. Should I fill out a form, or do we do it digitally?
English
这听起来公平。我需要填表吗，还是在线操作？
中文翻译
👨
John
第 10 轮
I can help you complete the application on our system right now. It usually takes about 15-20 minutes. Please take a seat.
English
我现在就可以在我们的系统上帮您完成申请。通常需要大约15-20分钟。请坐。
中文翻译
🎯
对话学习完成
结合右侧的词汇和句型解析，加深理解和记忆
重点词汇
bank account
银行账户
A bank account is a place in a bank where you keep your money safe and can manage it, like depositing or withdrawing cash.
中文解释
银行账户是银行中存放和管理资金的安全场所，例如存入或提取现金。
checking account
支票账户
A checking account is a type of bank account used for everyday transactions, such as paying bills or writing checks.
中文解释
支票账户是一种银行账户，用于日常交易，例如支付账单或开支票。
savings account
储蓄账户
A savings account is a bank account where you save money to earn interest over time, not for daily spending.
中文解释
储蓄账户是一种银行账户，您可以在其中存钱以随时间赚取利息，而不是用于日常支出。
debit card
借记卡
A debit card is a plastic card linked to your bank account that lets you spend money directly from it, like at stores or ATMs.
中文解释
借记卡是一种与您的银行账户相连的塑料卡，可让您直接从账户中支出资金，例如在商店或ATM机上。
online banking
网上银行
Online banking is a service that allows you to manage your bank account through the internet, such as checking balances or transferring money.
中文解释
网上银行是一种服务，允许您通过互联网管理您的银行账户，例如查看余额或转账。
proof of address
地址证明
Proof of address is an official document showing where you live, often required for opening accounts or services.
中文解释
地址证明是一份官方文件，显示您的居住地址，通常在开设账户或服务时需要。
minimum balance
最低余额
Minimum balance is the smallest amount of money you must keep in your account to avoid fees.
中文解释
最低余额是您必须在账户中保留的最小金额，以避免收取费用。
direct deposit
直接存款
Direct deposit is a way to automatically transfer money, like your salary, straight into your bank account from your employer.
中文解释
直接存款是一种自动将钱（如您的薪水）从雇主直接转入您的银行账户的方式。
重点句型
"Hi, I'd like to open a new bank account today."
"你好，我今天想开一个新的银行账户。"
重点句型
语法解析
This is a polite way to start a conversation at a bank. 'I'd like to' is a formal expression meaning 'I want to,' useful for making requests in service situations.
中文解析
这是银行中开始对话的礼貌方式。「I'd like to」是一种正式表达，意思是「我想要」，在服务情况下用于提出请求。
"Are you looking for a checking account, a savings account, or perhaps both?"
"您是在寻找支票账户、储蓄账户，还是两者兼而有之？"
重点句型
语法解析
This question helps clarify customer needs by offering options. Use 'or' to list choices and 'perhaps' to suggest an additional idea softly; great for customer service dialogues.
中文解析
这个问题通过提供选项来帮助澄清客户需求。使用“or”来列出选择，使用“perhaps”来柔和地建议额外想法；非常适合客户服务对话。
"To open an account, you'll need a valid government-issued ID, like a passport or driver's license, and proof of address, such as a utility bill."
"要开设账户，您需要有效的政府签发的身份证件，如护照或驾驶执照，以及地址证明，例如公用事业账单。"
重点句型
语法解析
This explains requirements using 'you'll need' for future necessity. Examples with 'like' and 'such as' make it clear; useful for informing about documents in official processes.
中文解析
这使用 'you'll need' 来解释未来的必要性要求。使用 'like' 和 'such as' 的例子使其清晰；对于在官方流程中告知文件很有用。
"Our basic checking account typically comes with a debit card and online banking access."
"我们的基本支票账户通常附带一张借记卡和在线银行访问权限。"
重点句型
语法解析
This describes account features. 'Typically comes with' means usually includes; it's practical for explaining product benefits in sales or service talks.
中文解析
这描述了账户功能。'Typically comes with' 意思是通常包括；这在销售或服务对话中解释产品益处时很实用。
"For the basic checking account, the monthly fee is waived if you maintain a minimum balance or set up direct deposit."
"对于基本支票账户，如果您维持最低余额或设置直接存款，则每月费用将被豁免。"
重点句型
语法解析
This conditional sentence uses 'is waived if' to show how to avoid fees. 'Maintain' means keep; helpful for understanding banking conditions and discussing costs.
中文解析
这个条件句使用 'is waived if' 来展示如何避免费用。'Maintain' 意思是保持；有助于理解银行条件并讨论成本。
"I can help you complete the application on our system right now."
"我可以立即帮助您在我们的系统上完成申请。"
重点句型
语法解析
This offers assistance politely with 'I can help you.' 'Complete the application' refers to filling out forms; ideal for guiding customers through processes efficiently.
中文解析
这以“I can help you.”礼貌地提供帮助。“Complete the application”指的是填写表格；适合高效地指导客户完成流程。