A little while ago one of my viewers Nacera asked if I could make a video about using

不久前，我的一個觀眾Nacera問我是否可以做一個視頻，關於使用

English or speaking English when you go to the bank.

英語或去銀行時說英語。

So in this video I'll help you learn some common English words and phrases that you

所以在這段視頻中，我將幫助你學習一些常用的英語單詞和短語，你可以

would use when you go to the bank.

會用當你去銀行。

Hi, Bob the Canadian here, if this is your first time watching one of my videos don't

嗨，加拿大人鮑勃在這裡，如果這是你第一次看我的視頻，不要。

forget to click the subscribe button, and the bell icon below, and for sure if this

忘了點擊訂閱按鈕，和下面的鈴鐺圖標，並確定如果這個

video helps you give me a thumbs up somewhere along the way.

視頻幫助你給我一個大拇指的地方沿途。

So we're going to talk about banks today.

所以我們今天要談的是銀行。

We're going to talk about English words and phrases that you can use when you go to

我們要講的是英語單詞和短語，當你去到

the bank.

銀行。

So let's take a virtual walk through of the bank.

那麼，讓我們來虛擬走訪一下銀行。

I'll try to put pictures up here as I talk, but I'm going to go through a lot of the

我會盡量在說話的時候把圖片放上來，但我要通過大量的

common things that you would see and the common words you would use if you went to the bank.

你會看到的常見事物和你去銀行會使用的常見詞彙。

The very first thing that you will see when you go to a bank nowadays is a bank machine.

現在去銀行，首先看到的就是銀行機。

And a bank machine is slowly replacing the people that work at banks who are called bank

而一臺銀行機器正在慢慢取代在銀行工作的人，他們被稱為銀行的

tellers.

出納員。

A bank machine is a simple device usually located at the entrance of the bank where

銀行機是一個簡單的設備，通常位於銀行的入口處，在那裡

you can deposit money into a bank account, you can put money into a bank account.

你可以把錢存入銀行賬戶，你可以把錢存入銀行賬戶。

And where you can withdraw money from your bank account.

以及在哪裡可以從你的銀行賬戶裡取錢。

Where you can withdraw cash from your bank account.

在哪裡可以從銀行賬戶中提取現金。

A long time ago, when I was just starting to work, I deposited my very first paycheque

很久以前，當我剛開始工作的時候，我存入了我的第一張工資單

using a bank machine.

使用銀行機。

That was a long time ago.

那是很久以前的事了。

Since then bank machines have become a lot more popular and it's kind of the main way

從那時起，銀行機就開始流行起來了，這也算是主要的方式了。

that people do their banking now.

人們現在做銀行業務的。

The second way that people do their banking a lot nowadays is online.

現在人們辦理銀行業務很多的第二種方式就是網上銀行。

They do online banking using a computer.

他們用電腦做網上銀行。

Or they do mobile banking or mobile banking using their smartphone.

或者他們用智能手機辦理手機銀行或手機銀行。

But those are the machines and machines just aren't that interesting so let's talk

但這些都是機器，而機器並沒有那麼有趣，所以我們來談談

about more of the things that you would see in a bank, and more of the people that you

更多的事情，你會看到在銀行， 更多的人，你會看到在銀行，更多的人，你會看到在銀行。

would see inside of a bank.

會看到銀行內部。

Once you walk past the bank machines, the people that you see working behind the counter,

一旦你走過銀行的機器，你看到的人在櫃檯後面工作。

the people who you see first at a bank are called bank tellers.

你在銀行最先看到的人叫銀行出納。

And bank tellers, their basic job is to help you deposit money into the bank, or withdraw

而銀行櫃員，他們的基本工作就是幫你把錢存進銀行，或者是取出來。

money from the bank, and do some of the more advanced financial transactions that you could

從銀行取錢，並做一些更高級的金融交易，你可以。

do at a bank.

在銀行做。

Perhaps you want to send money to someone overseas and a bank teller would help you

也許你想寄錢給海外的人，而銀行櫃員會幫你。

do that.

這樣做。

When you deposit money in a bank a lot of times you are depositing a cheque, or a paycheque.

當你把錢存入銀行的時候，很多時候你是在存入一張支票，或者是一張工資支票。

Now just pay attention the spelling is a little different.

現在只需注意拼寫有點不同。

In U.S. English a check is spelled this way, but in Canadian English a cheque is spelled

在美國英語中，支票是這樣拼寫的，但在加拿大英語中，支票是這樣拼寫的

this way.

這樣一來。

And a cheque is an official small piece of paper that your place or work or your boss

而支票是你的地方或工作組織、部門或你的老闆的一張正式的小紙片。

would give you that says that they are paying a certain amount of money to you.

會給你說，說他們要給你一定的錢。

And you would go to a bank and you would deposit the cheque and then that amount of money would

你會去銀行把支票存進去，然後那筆錢就會... ...

show up in your bank account.

顯示在你的銀行賬戶中。

So again, cheque, paycheque.

所以又是支票，薪水支票。

A check is something that you get from almost anyone.

支票是你從幾乎任何人那裡得到的東西。

A paycheque is a specific kind of cheque that you would get from your boss or from your

工資支票是一種特定的支票，你會從你的老闆或從你的...

place of employment.

就業地點；

So the teller will help you with that as I mentioned before you can also put your cheque

所以出納員會幫你的，就像我之前說的，你也可以把你的支票...

or paycheque into the bank machine.

或工資支票進入銀行機器。

You can deposit it into the bank machine.

你可以把它存進銀行的機器裡。

The other person you might see at a bank is the bank manager.

你在銀行可能見到的另一個人是銀行經理。

This is the person who is in charge of the bank.

這個人就是銀行的負責人。

So let's say you needed a loan.

所以我們說你需要貸款。

You needed to borrow money from the bank.

你需要向銀行借錢。

You don't have enough money in your bank account but you would like to buy a car or

你的銀行賬戶裡沒有足夠的錢，但你想買一輛車或

you would like to buy a home or a house.

你想買房或房子。

You would then talk to the bank manager.

然後你會和銀行經理談。

The bank manager is kind of the head person at the bank.

銀行經理算是銀行的負責人。

They are in charge of approving and disapproving loans.

他們負責審批和不審批貸款。

If you do need to meet with the bank manager though you usually need to make an appointment.

如果你確實需要與銀行經理見面，不過你通常需要預約。

If you need to speak with a teller you can usually just walk into a bank and walk up

如果你需要和出納員說話，你通常可以直接走進銀行，然後走上前去

to the counter and talk to a teller, but if you need to talk to the bank manager it's

到櫃檯和出納員交談，但如果你需要與銀行經理交談，它是。

always a good idea to book an appointment.

預約總是一個好主意。

'Cause bank managers for some reason are really really busy.

'因為銀行經理不知道為什麼真的很忙。

If you get a loan to buy a car, we call it a car loan.

如果你貸款買車，我們稱之為車貸。

If you get a loan to buy a house, we call it a mortgage.

如果你貸款買房，我們稱之為抵押貸款。

Car loans generally you pay back over three to five years.

汽車貸款一般你在三到五年內還清。

And the bank will charge you interest, so they will charge you a certain amount of money

而銀行會向你收取利息，所以他們會向你收取一定的資金

to be able to borrow the money.

才能借到錢。

A mortgage which is a loan that you take out to buy a house is usually twenty, or twenty-five,

抵押貸款，也就是你買房子的貸款，一般是二十，或者二十五。

or thirty years in length because a house is a lot more expensive than a car and takes

或三十年的長度，因為房子比汽車貴得多，而且需

a lot longer to pay back.

更長的時間來償還。

Couple of other things that you would need to know in order to do banking in English.

其他的一些事情，你需要知道，為了做銀行的英語。

The card that you use in the bank machine is called a bank card.

在銀行機上使用的卡叫銀行卡。

So when you open an account at a bank they will give you a bank card, and you can use

所以，當你在銀行開戶時，他們會給你一張銀行卡，你可以用。

that bank card in the bank machine.

銀行機裡的那張銀行卡。

The other kind of card you might get from the bank is called a credit card.

另一種你可能從銀行拿到的卡叫信用卡。

Now I need to warn you, credit cards although they're really really handy, have an extremely

現在我需要提醒你，信用卡雖然真的很方便，但也有極度的

high interest rate so I always caution people about whether they should be using a credit

高利率，所以我總是告誡人們是否應該使用信用貸款。

card to make purchases because basically if you use a credit card to buy something you're

因為基本上，如果你用信用卡買東西，你就會被告知

going to be paying close to nineteen or twenty percent interest, which is a really really

將支付接近19%或20%的利息，這是一個非常非常的

high interest rate.

利率高。

There are usually two types of accounts at a bank, one is called a chequing account,

銀行的賬戶通常有兩種，一種叫支票賬戶。

and that's usually the account that people use the most.

而這通常是人們使用最多的賬號。

There are also accounts called savings accounts, and savings accounts are usually places where

還有一種賬戶叫儲蓄賬戶，儲蓄賬戶通常是指在以下地方

you put money and you try not to withdraw the money.

你把錢放進去，你儘量不提錢。

So you deposit money into the savings account, but the whole idea of a savings account is

所以你把錢存進了儲蓄賬戶，但儲蓄賬戶的整體概念是：------。

the you're trying to save up money.

你是想存錢的。

You're trying to put money away for a future time.

你是想把錢存起來，以備將來之需。

So you have a chequing account, which most people use for their day to day banking, their

所以，你有一個支票賬戶，大多數人用它來做日常銀行業務，他們的。

regular banking, and you have a savings account where you're trying to save stuff up.

定期銀行業務，你有一個儲蓄賬戶，你想把東西存起來。

Generally if you're visiting the bank and it's a large bank, the building that you

一般來說，如果你要去銀行，而且是一家大銀行，你的樓房是

visit is usually called a branch.

訪問通常被稱為分支機構。

My local bank branch is in the town close to me.

我當地的銀行分行就在離我很近的鎮上。

Well that was a few words and phrases that could help you if you needed to open a bank

好吧，這是幾個詞和短語，可以幫助你，如果你需要開一家銀行。

account in English, or if you just need to go to a bank to do some of your day to day

帳戶，或者如果你只是需要去銀行做一些你的日常。

banking.

銀行業務；

Bob the Canadian here.

我是加拿大人鮑勃

Learn English with Bob the Canadian.

跟加拿大人Bob學習英語。

I really hope this video was helpful for you.

真的希望這個視頻對你有所幫助。

Please don't forget to subscribe and give me a thumbs up if you enjoyed this video and

如果你喜歡這個視頻，請不要忘記訂閱並給我豎起大拇指。

have a great day.

有一個偉大的一天。

It's Monday April 16th and it, it's still winter here.

今天是4月16日星期一，它，這裡還是冬天。

I don't know if you can see the flakes of snow coming down but either way it was fun

我不知道你是否能看到雪花飄落，但無論如何都很有趣

to be outside and make this video for you.

要在外面，為你做這個視頻。

I'll try to get it up by Wednesday morning.

我儘量在週三早上把它弄上來。

Have a great day!

祝你愉快！