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支票賬戶(Checking Account)
If you ever went to the United States to study in a college or a university, one of the first things you would have to do is open a checking account. You would find it safer and more convenient to put your money in a bank and write out checks to pay for your larger purchases. And checking accounts have other advantages as well. The canceled checks that are returned to you provide a record of where your money was spent, and they can serve as proof that payment was received ---- that is, canceled checks can serve as receipts.
如果你到美國上大學(xué)，你必須要做的一件事就是開立一個支票賬戶。你會覺得把錢存在銀行更安全，用支票購買大件商品更方便。而且支票賬戶還有其他優(yōu)點(diǎn)。寄回的付訖支票記載了你花錢的地點(diǎn)，當(dāng)作收到款項(xiàng)的證據(jù)，也就是說，付訖支票可以當(dāng)作收據(jù)。
If you went to a bank to open an account, you would probably go through most of the following procedures.Not all banks have the same requirements for opening new accounts, of course, and the routine may vary somewhat. First you would go to the New Accounts Department and fill out a signature card. In order to open an account, you would have to furnish proof of your identity. A passport is one of the best kinds of identification to have, but other kinds are accepted, one of the most common being a driver's license. You would need to have a permanent address in the city, and you would also be asked to supply the name of a permanent resident who is willing to recommend you. For this purpose you could use the name of your landlord or landlady, for example, or the name of the foreign student adviser at the university. And last but not least, you would need to bring some cash with you in order to open your account. Many banks require a minimum cash deposit of $50.
如果你到銀行開立賬戶，也許會經(jīng)歷以下手續(xù)。當(dāng)然，不是所有的銀行都有相同的開戶要求，手續(xù)可能有些不同。首先，你要到開戶部填寫印鑒卡，開戶時必須提供你的身份證件。護(hù)照是一種最好的身份證件，但其他類型的身份證件也行，最常用的一種就是駕照。你須有市區(qū)的常住地址，并提供一位愿意作為你開戶介紹人的常住居民的名字。為此，你可以用，比如，你的房東、房東太太，或大學(xué)外國留學(xué)生導(dǎo)師的名字。最后的一項(xiàng)要點(diǎn)是，你要帶一些現(xiàn)金以便開戶。許多銀行規(guī)定了最低起存金額 50美元。
After you had completed your application, the bank would make up an individual folder for your account. Your signature card would be kept in this folder. Whenever checks were received for payment, the bank would file them by number in your folder and compare the signatures with the one on your card. If there was any doubt about a particular signature, the check would not be paid and would be returned to the endorser.
辦完申請手續(xù)后，銀行會為你制作個人賬戶的賬夾。你的印鑒卡就放在賬夾內(nèi)。當(dāng)銀行收到你的支票要求付款時，它將按賬號存放在你的賬夾內(nèi)，并將簽字與你預(yù)留印鑒卡上的簽字核對。如果對不正常的簽字有疑問，銀行將不予支付，并退給背書人。
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