БЫТОВЫЕ ДИАЛОГИ
англо-русский разговорник

EVERYDAY DIALOGUES
English-Russian conversation guide

             OPENING                             КАК  ОТКРЫТЬ
       A CHECKING  ACCOUNT                       ЧЕКОВЫЙ СЧЕТ
    -------------------------------          -------------------------

Clerk: Good afternoon.  May I help
you?

Vladimir Melnik: Good afternoon.I'm
here to open a checking account. My
name is Vladimir Melnik.  My wife's
name is Natalya.

Clerk: Do  you want a joint account
with your spouse?

V.M.: Yes,I do. Tell me about  your
checking account policy. Is there a
minimum balance required?

Clerk: If you open a checking acco-
unt you are supposed to maintain an
average daily  balance of  $1000 .
As long as you keep this average ba-
lance you won't be charged for bank-
ing services. Should you fall below
the 1-thousand-dollar limit,you would
have to pay a service  charge of  $6
a month, and each of your transacti-
ons would be charged separately.



V.M.: What is  meant by transaction
charge?

Clerk: You'll have to pay  25 cents
for each check made out by your spose
or you, and also  25 cents  for each
cash withdrawal. But you  can easily
avoid paying these charges by mainta-
ining one thousand dollars or more on
your checking account.


V.M.: I'd like to know how much in-
terest you pay.

Clerk: Interest is paid if your ave-
rage daily balance is over 2500 dol-
lars.Unless you fall below 2500 dol-
lars, you'll be paid  6 1/2%  inte-
rest. We credit the interest you've
earned automatically to your account.

V.M.: I would like to open a cheking
account with a deposit of 1500 dol-
lars. Is it okay?

Clerk: It is perfectly all  right.
You can order your check books af-
ter having filled out an applica-
tion and your deposit ticket.

V.M.(fills out application and de-
posit ticket): Is anything wrong?

Clerk: Everything is correct. Now
you can order your check books.

V.M.: I have a question.What are
the preconditions for getting a
credit card?

Clerk: You must have an income of
15,000 dollars or more.

V.M.: What proof of  income  will
you accept?

Clerk: Either your last pay stub
or a copy of your tax return. As
soon as we have the necessary in-
formation, credit cards  will be
available to you and your wife.


V.M.: I appreciate your  assis-
tance.