{"id":1970,"date":"2025-05-24T17:17:35","date_gmt":"2025-05-24T09:17:35","guid":{"rendered":"https:\/\/www.rainyjames.com\/?p=1970"},"modified":"2025-05-24T17:24:18","modified_gmt":"2025-05-24T09:24:18","slug":"english-pod-32-%e2%80%90-opening-a-bank-account","status":"publish","type":"post","link":"https:\/\/www.rainyjames.com\/?p=1970","title":{"rendered":"English Pod 32\u00a0 \u2010\u00a0Opening a Bank Account"},"content":{"rendered":"\n<p><strong>Dialogue<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-audio\"><audio controls src=\"https:\/\/api.frdic.com\/api\/v3\/media\/mp3\/fdf6a0be-8a99-4ea4-951f-5d482b46bc5b?type=mp3&amp;cdn=auto\"><\/audio><\/figure>\n\n\n\n<p>A: Next, please. May I help you, sir?<br>B: Hello, yes, I\u2019d like to open a bank account.<\/p>\n\n\n\n<p><br>A: Certainly, I can can help you with that. What type of account would you like to open? A <strong>chequing<\/strong> or a <strong>savings account<\/strong>?<br>B: What <strong>features<\/strong> do they offer?<br><br>A: Well, if you just take a look here, see, with our chequing account, you can have unlimited daily <strong>transactions<\/strong> for a small monthly fee, and our savings account has a higher interest rate, but you must carry a minimum <strong>balance<\/strong> of $ 10,000 dollars.<\/p>\n\n\n\n<p>B: I see, well, I think I\u2019m more interested in a chequing account; I like to have easy <strong>access<\/strong> to my money.<br><br>A: Alright, then, with this chequing account you\u2019ll be issued a <strong>debit card<\/strong> and a cheque book. Will you require <strong>overdraft<\/strong> protection? There is an extra fee for that.<br><br>B: No, that won\u2019t be necessary.<br>A: In that case, <strong>I\u2019ll get you<\/strong> to fill out this paperwork; <strong>I\u2019ll need your<\/strong> social insurance number, and two pieces of government ID.<strong> If you could just <\/strong>sign here, and here, and<br>here; we\u2019ll be all set. Would you like to make a deposit today?<br><br>B: Yes, I\u2019d like to deposit one billion dollars.<\/p>\n\n\n\n<p><strong>Explain<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-audio\"><audio controls src=\"https:\/\/api.frdic.com\/api\/v3\/media\/mp3\/5af4bce4-1e6f-11e7-be40-000c29ffef9b?type=mp3&amp;cdn=auto\"><\/audio><\/figure>\n\n\n\n<p><strong>Key Vocabulary<\/strong><\/p>\n\n\n\n<p><strong>feature <\/strong>\u2014 \/\u02c8fi\u02d0t\u0283\u0259rz\/ common noun, plu\u0002ral interesting or impor\u0002tant quality<br><strong>chequing account<\/strong> \u2014 \/t\u0283eking\/ common noun, sin\u0002gular a regular account for daily transations<br><strong>transaction <\/strong>\u2014 \/tr\u00e6n\u02c8z\u00e6k\u0283\u0259nz\/ common noun, plu\u0002ral an occurrence in which money is transfered from one person, or one account, to another<br><strong>savings account <\/strong>\u2014common noun, sin\u0002gular an account for people to keep their money, usu\u0002ally offers a higher in\u0002terest rate<br><strong>balance<\/strong> \u2014common noun, sin\u0002gular the amount of money in a bank account<br><strong>access<\/strong> \u2014common noun, sin\u0002gular a way to get to some\u0002thing<br><strong>debit card<\/strong> -common noun, sin\u0002gular a card for you to take money out of your bank account<\/p>\n\n\n\n<p><strong>overdraft <\/strong>\u2014common noun, sin\u0002gular taking out more money than what is available in the account<br><strong>I\u2019ll get you<\/strong> \u2014phrase (a way to ask people to do things)<br><strong>I\u2019ll need your<\/strong>  &#8212; phrase (a way to request peo\u0002ple to provide some\u0002thing)<br><strong>If you could just<\/strong>  \u2014 phrase (a polite way of asking people to do things)<br><strong>deposit<\/strong> \u2014common noun, sin\u0002gular an amount of money that is put in a bank ac\u0002count<\/p>\n\n\n\n<p><strong>Example<\/strong><\/p>\n\n\n\n<p>transaction.<br>Voice: Example one.<br>A: I need a record of my most recent paying transactions.<br>Voice: Example two.<br>B: There\u2019s no fee for bank transactions done online.<br>Voice: Example three.<br>C: Okay, we\u2019ve deposited your money. Would you like to make another transaction today?<\/p>\n\n\n\n<p>overdraft<br>Voice: Example one.<br>A: The maximum overdraft of my account is only five thousand dollars.<br>Voice: Example two.<br>B: I\u2019m sorry, sir, but you\u2019ve exceeded your maximum overdraft limit. I cannot give you any<br>more money.<\/p>\n\n\n\n<p>Voice: Example three.<br>C: Oh, no! I have to pay fifteen hundred dollars in overdraft fees.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dialogue A: Next, please. May I help you, sir?B: Hello, yes, I\u2019d like to open a bank account. A: Certainly, I can can help you with that. What type of account would you like to open? A chequing or a savings account?B: What features do they offer? A: Well, if you just take a look [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[31,33,29],"class_list":["post-1970","post","type-post","status-publish","format-standard","hentry","category-english","tag-english","tag-english-pod","tag-29"],"_links":{"self":[{"href":"https:\/\/www.rainyjames.com\/index.php?rest_route=\/wp\/v2\/posts\/1970","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rainyjames.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rainyjames.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rainyjames.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rainyjames.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1970"}],"version-history":[{"count":4,"href":"https:\/\/www.rainyjames.com\/index.php?rest_route=\/wp\/v2\/posts\/1970\/revisions"}],"predecessor-version":[{"id":1977,"href":"https:\/\/www.rainyjames.com\/index.php?rest_route=\/wp\/v2\/posts\/1970\/revisions\/1977"}],"wp:attachment":[{"href":"https:\/\/www.rainyjames.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1970"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rainyjames.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1970"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rainyjames.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}