Going to the Bank – Everyday English Dialogues

Summary

In this transcript, Mark and Lynn Johnson visit Frances Roberts, an Accounts Manager, to open a checking account at the bank. They inquire about account options, and Frances explains the benefits of a regular checking account with no fee, as well as a $7 monthly package offering personalized checks, online banking, and overdraft protection. The couple decides to opt for the additional services. They also confirm the availability of 24-hour ATM and drive-through services, and Frances provides details on monthly statements. The interaction ends with Mark and Lynn completing their deposit and thanking Frances for her assistance.

Takeaways

• 😀 Frances Roberts is the Accounts Manager at the bank.
• 😀 Mark Johnson and his wife Lynn are new to town and looking to open a checking account.
• 😀 They want to open a checking account with a $500 cash deposit and an $800 payroll check.
• 😀 The bank provides application forms to complete for account opening.
• 😀 New bank cards will arrive within two weeks after account setup.
• 😀 Once a PIN is selected, customers can use the bank’s ATM for deposits, withdrawals, transfers, and bill payments.
• 😀 There is no fee for a regular checking account.
• 😀 The bank offers an optional service for $7/month which includes personalized checks, full online banking, and $500 overdraft protection.
• 😀 Customers can access a 24-hour ATM and a 24-hour drive-through service at the bank.
• 😀 Monthly statements are sent out on the 5th of every month.
• 😀 After completing the forms, the customer can endorse their check and visit the teller to process the deposit.

Q & A

Who is the Accounts Manager in the transcript?

The Accounts Manager is Frances Roberts.

What kind of account does Mark Johnson want to open?

Mark Johnson wants to open a checking account.

How much does Mark want to deposit initially?

Mark wants to deposit $500 in cash and a payroll check for $800.

How long will it take for Mark and Lynn to receive their new bank cards?

They will receive their new bank cards in about two weeks.

What is the monthly service fee for the enhanced checking account?

The monthly service fee for the enhanced checking account is $7.00.

What additional services are included with the $7.00 fee?

The additional services include 200 personalized checks, full online banking services, and a $500 overdraft protection plan.

Is there a service fee for the regular checking account?

No, there is no service fee for a regular checking account.

What does the bank offer for ATM access?

The bank offers a 24-hour ATM and also a 24-hour drive-through service at the side of the building.

When are the monthly bank statements sent out?

The monthly bank statements are sent out on the fifth of every month.

What does Mark need to do to complete the deposit after filling out the forms?

Mark needs to endorse his check and go over to the teller, who will handle his deposit.