银行的10句常用英文 (开户/信用卡/支票/现金支票/汇票/公证/存款/取款/转账/定存/关户)
虽然现在很多银行业务都可在网上搞定，但有时候免不了要亲自跑银行。下面我们就来看看具体用英文怎么说吧
*** 开户 Open account
账户分个人账户和共同账户（joint account）
银行：有什么需要帮助的吗？
How can I help with you today?
--> 我：我要开户
--> I'd like to open an account.
银行：你要开哪种类型的账户呢？支票账户还是储蓄账户？
Would you like a checkings account or a savings account?
我：两种都要
Both
银行：支票账户最低要存$200,请问你要存多少？
We need at least $200 deposit to checkings account. How much would you like to deposit?
我：$1000
银行：请出示你的证件
Do you have your ID with you? /I need your ID please.
（有时候如果银行搞活动，有那种开新账户送$300的活动，你可以说
--> I have a coupon of getting $300 for opening a new checkings account. Can you please help me open one?）
然后银行会建立一个你的网上银行账户setting up your online account
银行：这是你的用户名，请选个密码，至少8位数字长，要有数字和字母。
This is your online Id, please select a password, it must be at least 8 digits long, including both numbers and letters
银行：请再输一次密码
Please enter again
银行：你已经成功开户了，（如果你有支票账户的话）这是你的借记卡
You are all set up. Here's your debit card （if you have a checkings account）
银行：请问你要开投资账户吗
Would you like to open an investment account with us?
通常投资账户你可以在投资银行investment bank开，这里讲的是commercial bank
除此以外，你还可以问这些问题：
我：(有些银行要求有个最低存款额度)支票账户的日存款额最少要多少，才不会被收每月的管理费？
--> What's the minimum average daily balance I need to keep in my checkings account to avoid the monthly maintenance charge?
我：（如果他没给你支票的话）可以给我支票簿吗？
--> Can i order some checks?
*** 共同账户joint account
如果你和你老公想要有一个共同账户（Joint account），它的开户和上面过程类似，不再赘述。
我：我们想开一个共同账户
--> We’d like to open a joint account.
*** 信用卡
申请信用卡apply for credit card
我：我想要申某某某信用卡
--> I'd like to apply for the ABC credit card.
银行：（通常银行会先问：）你有没有我们银行的其他账户？
Do you have an account with us already?
如果你已经在该银行开了账户，它清楚知道你的还款能力，会比较容易申请到该银行的信用卡。
如果你是刚来的留学生，没有任何信用历史, 那你可以这样说
我：我还没有信用历史，我想要申某某某押金卡
--> I don't have any credit history yet, I'd like to apply for the secured credit card. （secured credit card性质跟debit card类似，不能透支，但可以帮你build up credit history。通常需要预付押金，有年费，实在办不到别的信用卡，可以尝试这个)
涨额度
我：我可以升信用额度吗？
--> Can I increase my credit line?
注意无论申请信用卡，还是贷款丶抵押，银行都会向信用局（credit bureau）调查你的credit score. 需要你本人同意的是hard pull，（主动要求涨额度应该也是hard pull）. hard pull会对你的信用分数造成影响，所以尽量不要主动要求涨额度。
与之相对的就是soft pull不需要你本人同意的征信，比如已有信用卡的自动额度上升/下降
关信用卡
我：我想把这种信用卡关掉
--> I'd like to cancel this credit card
银行：（通常银行为了留住客户会问你）为什么要关卡呢？
Why do you want to close it?
*** 贷款mortgage（关于贷款，我会在之后的买房视频中具体讲）
我：我想要30年期的固定利率的房贷
--> I'd like to apply for the 30 year fixed rate mortgage for my house.
Loan 与 mortgage的区别有在微信公众号上讲述，这里就不在展开
*** 贷款重组refinance
我：我想要贷款重组
I’d like to refinance my loan
*** 取款Withdraw
可以在ATM上取，如果你prefer柜台
我：我想要取$1000
--> I'd like to withdraw $1000
银行：你要从支票账户取还是储蓄账户？
Which account would you like to withdraw from? checkings or savings?
我：支票账户
Checkings please
银行：请输密码
Please enter your pin,
*** 存款/存支票Deposit money/Check
都可以在ATM上存，或手机app也可以存支票
You can always deposit money on ATM or deposit check on your mobile app
柜台存款丶存支票:
我：我要存$1000/我要存这张支票
--> I'd like to deposit $1000/I’d like to deposit the check
银行：哪个账户？支票账户还是储蓄账户？
Which account, checkings or savings?
我：我想将这张支票变现(直接取现金而不是存到某个账户)
I’d like to cash the check
note: sign the back of the check 支票背后要签名
跳票check get bounced
我：这张支票我填了$500，但我的账户里只剩下$300,为免跳票，我至少要转账$200
I write a check for $500, but I only have $300 left in the account. I need to make a transfer for at least $200.
*** 转账transfer
我：我想要转从我的储蓄账户转$500到abc银行的储蓄账户
--> I'd like to transfer $500 from my savings account to the savings account in abc bank.
我：我要电汇
--> I'd like to make a wire transfer.
*** 现金支票cashier’s check/汇票money order
有些地方，比如租房，他会要求用 来付deposit保证金，而不能是personal check个人支票。因为他怕你账户里余额不足，不能兑现
我：我想要现金支票
I’d like to get a cashier’s check 要chashier柜员签名，因此得名
我：我想要汇票
I’d like to get a money order
注：在邮局买money order更便宜哦
*** CD （Certificate of Deposit）定存
我：我想买定存
--> I'd like to buy a Certificate of deposit
银行：我们有3个月6个月1年5年期的，请问你要哪种？
We have different terms, 3 month 6 month, 1 year, 5 year, which one would you like?
我：年利率分别是多少？
What's the annual percentage rate for each?
我：我要6个月的
I'll take the 6 month one.
你还可以问：
我：还没到期，提早要取出来的话，要多少罚金？
--> What's the early withdrawal penalty fee?
Penalty fee通常很高，所以尽量不要这样做
*** 公证notary services
我：我有个文件需要公证
I need to get a document notarized.
Notary 公证 notarize 动词形式。
银行：你在我们银行有账户吗（通常你需要在这家银行有账户他才会为你公证）
Do you have any accounts with us?
*** 关户口 close account
我：我要关储蓄帐户
--> I'd like to close my savings account.

************
更多美国生活及地道英语，关于我的微博/优酷/油管/FB: 乐学英文坊Instagram：englishfunfunfun