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廣州酷學(xué)酷玩夏令營(yíng)情景英語(yǔ)口語(yǔ)：banks 銀行。

【beginner】step1：初級(jí)入門(mén)

a: how do you use an atm card, billy?

b: it’s easy, grandpa. insert your card into the machine here. then wait a moment. ok. now you enter your pin. it should have four numbers.

a: oh yes. i’ve got it written down here. just a minute.

b: you really shouldn’t write it down. you should memorize it. you can change it to a more convenient number if you like.

a: ok, i’ve entered my pin. there are several options on the screen. i guess i just choose which service i want, don't i ？

b: yes. choose the service you need to use. if you choose to withdraw money, the machine will ask you how much you want.

a: i can just enter the amount using the key, right?

b: that’s right. give the machine a moment to process you request. then take your money.

a: these machines aren’t very difficult to use. in fact, i quite like them. they are much faster than dealing with a bank clerk.

【intermediate】step2: 中級(jí)進(jìn)階

a: which services offered by your bank do you use most?

b: i use several services. of course, i deposit and withdraw money quite often. i often use my atm card to take money out of my current account. i use my bank to exchange money from one currency to another. i often travel abroad, you see.

a: do you ever ask your bank for traveller's cheques? they are much safer than carrying lots of cash around.

b: i sometimes use traveller's cheques, but sometimes i travel to countries where they are hard to exchange for cash.

a: do you use your bank to pay your utility bills? i use direct debit.

b: yes, i do. it saves me a lot of time. i also have standing orders for my subscriptions to magazines.

a: that’s good idea. you don’t need to worry about missing an issue of a magazine if you do that. i suppose you have a mortgage too.

b: yes. my bank offers very good terms and conditions on mortgages. there’s a lot of competition between banks nowadays. each one is trying to offer better conditions and services than the others.

a: i have a deposit account with my bank. there are some restrictions on withdrawing money, but the interest rate is much higher.

b: i don’t have one. i prefer to buy shares. my bank also provides a share trading service. it’s cheap and easy to use.

a: that’s great. but i prefer to put my money somewhere where the returns are more certain.

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