БЫТОВЫЕ ДИАЛОГИ
англо-русский разговорник

EVERYDAY DIALOGUES
English-Russian conversation guide

            OPENING                                 КАК ОТКРЫТЬ     
      A  SAVINGS  ACCOUNT                        СБЕРЕГАТЕЛЬНЫЙ СЧЕТ
                                                      В БАНКЕ       
    -------------------------------          -------------------------

Clerk: Good morning.What can I  do
for you?

Victor Nemirov: Good morning.I wo-
uld like to open a savings account.
Could you explain your policy to me?


Clerk: A small initial  deposit  is
all it takes to open a savings  ac-
count at our bank, but if you open
your account with five hundred dol-
lars or more and keep that much at
all times,there is no service char-
ge.If you fall below the 500 dollar
limit, you will be charged five dol-
lars a month.


V.N.:I'm not sure I understand what
you've said about the five-hundred-
dollar limit.Could you explain that
to me again?

Clerk: Of course. Our bank requires
you to maintain a minimum balance of
500 dollars or more. Should your mi-
nimum balance fall below that amount
your account would be charged for 5
dollars a month.

V.N.: I see. That's clear enough.One
more question.

Clerk: Go ahead.

V.N.: How does the bank know what am-
ount to use to figure out my balance?
Clerk: Okay. That's not difficult to
understand.Our computor adds all the
daily figures and then divides by the
number of days in our statement peri-
od. That's called your averige daily
balance.


V.N.: May I ask you another question?

Clerk: I'll be happy to answer your
question.

V.N.: Could I get a banking card  af-
ter opening an account?


Clerk: When you open an account, you
will be in touch with your money -
thanks to our machine services.  Our
machines can handle the most regular
teller transactions.You can make de-
posits, cash withdrawals,and balance
inquiries with your card.The machine
is at work 24 hours a day, 7 days  a
week.

V.N.: Okay.I've made up my mind. I'd
like to open a savings  account with
a deposit of one thousand dollars.

Clerk: Could you please fill out this
application.Besides you need to write
a deposit ticket for 1000 dollars. If
you have any questions regarding the
application, I'll be glad  to assist
you.

V.N.(fills out application and depo-
sit ticket).

Clerk: Everything is correct. Here is
your passbook. The bank will pay you
5 1/2% interest.

V.N.: Thank you for your assistance.