Today, we're going to talk about going to the bank, and the different things you can

今天，我們要來談論前往銀行，你可以在那邊進行許多不同的

do, and the different verbs associated and nouns associated with this very common experience.

事情，以及與這件事情相關的不同的複合動詞和複合名詞

So, first, when you enter the bank, you have to "get in line" or "get in the queue". Now,

所以，首先，當你進入一家銀行，你會需要「排隊」。現在

specifically, in the United States, even in Canada, we use the word "line" when you're

特別是，在美國，甚至在加拿大，我們會使用"line"這個字

waiting to see someone at the bank. If you are in other parts of the world, specifically

形容你在等待著會見某位銀行裡的人。若你在世界上的其他地方，特別是

England, you can also call a line a "queue", so you get in the queue or get in line.

英格蘭，你也可以把line換成"queue"，所以你會說get in the queue或get in line

Next, once it's your turn to, you know, do your business at the bank, you see a

接著，一旦輪到你，你知道，也就是要來銀行辦的事情，你會見到

"bank teller". So, the name of the person who helps you at the bank is the teller. And after you

一會「銀行櫃員」。所以，在銀行裡服務你的那個人就叫做櫃員。且在你

see the bank teller, if you already have an account with the bank, you have to use your

見到銀行櫃員之後，你若準備要在銀行開個戶頭，你將必須使用

bank card and put in your "PIN". Your "PIN" is your personal identification number, your

銀行的提款卡和輸入你的"PIN"碼。你的"PIN"碼就是你的個人識別碼，你的

code, your password. Right?

編碼，你的密碼啦。了解嗎？

Now, once this is done, you're ready, the bank teller can see your account. Or maybe

現在，一旦完成了這個，你就算是準備好了，銀行櫃員能夠看見你的帳戶。或是

it's your first time and you didn't put in a PIN, there are different things you can

這可能是你第一次來銀行，而你並沒有輸入個人識別碼的話，也有別的事情是當你在銀行裡

do and ask for when you're at the bank. Number one, you can say:

能夠辦理且詢問的。第一個是，你可以說：

"Hi. I'd like to open an account", or "close an account".

「嗨，我想要開戶」或者「關掉一個戶頭」

Now, again the two most common types of accounts at a

現在，一樣在銀行中兩個最常見的帳戶類型

bank are a checking account and a savings account. So your checking is your everyday

是支票帳戶和儲蓄帳戶。你每天使用的花費就是從

spending. This is what you use your debit card for. Right? So, I'm just going to put

支票帳戶而來的。這是你的金融簽帳卡的資金來源。明白嗎？所以，我接下來要在

"debit card" here.

這裡寫上「金融簽帳卡」

Your debit card is your bank card, and this is what you use to make

你的金融簽帳卡就是你的銀行金融卡，這是你用來

payments when you go out to restaurants, movie theaters, etc.

付大部分日常花費的戶頭，如去餐廳吃飯，看電影，諸如此類的

Okay, you can also transfer money when you are at the bank. So if you'd like to move

好，你也能夠在銀行轉帳。所以當你要從你的支票帳戶

some money from your checking account, for example, to one of your other accounts, such

轉一些錢出去，舉例來說，轉到你其他的帳戶當中，比如說

as a savings account or maybe a joint account that you have with your partner, husband,

一個儲蓄帳戶或也許是一個與夥伴一同設立的聯合帳戶，可以是丈夫

wife, etc., you can ask to do that. You can say:

妻子，等等。你可以要求辦理這項業務。你可以說：

"Hi. I'd like to transfer $200 from my checking account to my savings account."

「嗨，我想要從我的支票帳戶轉200元到我的儲蓄帳戶。」

And again, this is if you don't do online banking,

而再次地，這是在你不使用網路銀行服務的前提下才會發生

which solves a lot of these issues.

在那上面能夠解決大部分上述的問題

Now, instead of transferring money, you can also "deposit" money or "make a deposit".

現在，除了轉帳外，你同時也能「存款」或者「把錢存進銀行」

This means you are putting money into your accounts. So if you, you know, receive a check

這代表你把錢放進你的帳戶中。所以你若，你知道的，從政府那收到一張支票

from the government, for example, or maybe your workplace still gives checks (it still

舉例來說，或也許你工作的地方仍在用支票發薪水（這仍

happens, it does), you can deposit that check. And "deposit it" means put that money into

在發生，真的）你能把那張支票存進去。而「把它存進去」代表那些前會

your account. You can "withdraw". Now, "to withdraw" is to take out money. So, these

跑進你的帳戶裡。你能夠「提領」。現在，「去提領」就是把錢拿出來。所以

two are really the most common verbs when you're talking about exchanging money with

這兩個是當你談論到跟銀行往來時最常會聽見的兩個字

the bank, whether you're in the bank or at an ATM machine. So you deposit, which means

不論你是在銀行或在一台ATM前。你存款，代表

you put money in; withdraw means you take money out. So you can withdraw or take out

把錢放進戶頭 ; 提款代表你把錢拿出來。所以你能夠提款或者拿出

money. And the term we can also use is you can make a "withdrawal". And you'll see the

錢。也可以用"withdrawal"這個字。而你在這看見

"al" here, this means that, again, this is a noun in this case. The verb, there's no

"al"，代表是名詞的形式，動詞在結尾就沒有

"al" at the end; it's just "withdraw". Withdraw money.

"al" ; 就只是"withdraw"。提出錢來

You can "pay a bill". So, again, bills are our favourite things in the world, like pay

你可以拿來「付帳單」。所以，再一次，帳單是我們在這世界上最愛的東西，像是

for your electricity at your house, or your television, internet, etc. Now, again, this

家裡的電費，或電視、網路費等等。現在，還有，這

doesn't only have to be for those common things, because most people today, you have an automatic

能夠付這些稀鬆平常的帳單，因為現今大多數人，在付帳的時候都會有一個能夠幫助你

withdraw happens when you pay for a bill. But again, sometimes you get something where

進行自動扣款的功能。但還是要說，有時候你會拿到

you have to go to the bank to pay the bill. If you get something from the Ministry of

一種必須前往銀行才能繳費的帳單。你若是從交通部或

Transportation or something from the government, and it's unclear what you have to do to pay

某些政府部門拿到帳單，而並沒有說明該怎麼去在

something online, you can go to the bank and you can pay that bill.

網路上付費的話，你就可以前往銀行辦理付款

Also, you can "exchange currency". So if you are travelling somewhere and you only have

同樣地，你能夠「換匯」。所以當你在某處旅行而你只有自己

money from your country, you can change that money. And again, the name for "money" in

國家的貨幣時，你就可以換匯。但一樣地，在這個例子中

this case is "currency", like the dollar is one type of currency, the yen is another type

錢指的就是「貨幣」，像美元就是一種貨幣，日元則是另一種

of currency. And you can ask the bank: "What's your rate?" because different places, exchange

貨幣。而你可以要求銀行告訴你：「匯率是多少？」因為在不同的地方，換匯的

offices, banks, will have different rates for your currency. So, for example, the bank

地方、銀行，對你想換得貨幣有不同的匯率。所以，舉例來說，銀行

might say, if I'm travelling from Canada to the United States, they might say:

可能會說，如果我從加拿大到美國旅行的話，他們可能會說：

"95 cents per dollar." Okay? So for every dollar that I have Canadian, I receive 95 cents American.

「一加幣換95分美元」了解嗎？所以你每換一塊加幣，就得到95分的美元

Also, you can get everyone's favourite thing, which is a "credit card". So you can get a

同樣地，你能夠取得每個人都喜歡的東西，也就是「信用卡」。你可以在銀行

credit card from the bank. You can say: "I'd like to get a credit card",

辦張信用卡。你可以說：「我想要辦張信用卡」

or "open a credit account".

或「開一個信用帳戶」

If there are more specific things that a teller can't help you with, you need to see a specialist

如果有某些特定的事項是櫃員沒辦法幫助你的，你就需要一個銀行的專員

at the bank about certain things, these are three very common things that people talk

來幫你辦理特定的事，有三件非常普通的事務

about at the... At the bank or ask to see someone at the bank for. You can say:

常常被掛在嘴邊...在銀行或詢問銀行裡的某個人。你可以這樣說：

"I'd like to talk to someone, talk to someone about a mortgage."

「我想要跟某人談談，關於貸款的事。」

Now, a "mortgage" is what you

現在，「貸款」是當你

have when you purchase a house. When you buy a home, you also get a mortgage. And, again,

要買間房子。你要買一個加，也需要貸款。而，同時

this means the money that you have to pay for your house, this is your mortgage. You

也就是說那筆要付你房子的錢，就是貸款。你

can talk to someone about "investments". So, again, these are ways to make more money,

也能跟某人談論「投資」。這邊有某些方式來賺更多的錢

or mutual funds is one example where you give money to the bank, and someone puts that money

或者舉例來說投資共同基金，就是你把錢給銀行，然後某人把錢

somewhere, and you hope that they make you more money for you. And, finally:

轉投資，你期望他們會幫你賺錢。而最後：

"I'd like to talk to someone about retirement savings." "Retirement" means that you're not going to

「我想要找人談談退休儲蓄」「退休」的意思是你不再

work anymore. In many countries, the retirement age is different, it's 65, or 67, or 68, or 60.

工作了。每個國家的退休時間都不同，有的是65，或者67歲，或68，又或者是60

But if you'd like to save for the time when you are no longer working, you can ask

但是你若想要存錢退休，你可以問

to speak to someone about retirement savings.

銀行裡的人關於退休儲蓄的資訊

Whew, that's a lot of information. Just to quickly review, when you go to the bank, you

呼～真是一大堆資訊呀。很快地來回顧，當你去到銀行，你

get in the line/get in the queue. You see the bank teller, put in your PIN. You can

排隊進去。你會看見銀行櫃員，輸入你的個人辨識碼。你可以

ask and say: "I'd like to open an account.", "I'd like to close an account.",

問說：「我想要開戶」，「我想要關掉帳戶」

"I'd like to open a checking account", or "a savings account",

「我想要開一個支票帳戶」或者「一個儲蓄帳戶」

"I'd like to transfer money or funds.",

「我想要轉帳或者調度資金」

"I'd like to deposit something", "make a deposit", "withdraw", "take out money",

「我想要存入某物」、「存款」、「提款」、「提出錢」

"pay a bill", "exchange currency", "get a credit card",

「繳費」、「換匯」、「辦信用卡」

or talk to someone about a mortgage, investments,

或者要談貸款、投資

or retirement savings.

或退休儲蓄等

So, again, this is a very common experience, which is why these words, this type of vocabulary

所以，這是很稀鬆平常的經驗，也就是今天教的這些字，是那種

is really key if you are going to be in anywhere where you are speaking to someone in English

你去到任何一個講英語的國家裡頭的

at the bank. If you'd like to test your understanding of this material, as always,

銀行都會用到的。你如果想要測試自己對今天的內容了解了多少，一如往常

you can do the quiz on www.engvid.com. And don't...

請到www.engvid.com上練習小測驗。且不要

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不要忘記訂閱我的YouTube頻道

See you, guys.

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