★英語口語頻道為網(wǎng)友整理的《金融英語口語：帳戶規(guī)章與條例》，供大家參考學(xué)習(xí)。
Account Rules and Regulations
帳戶規(guī)章與條例
Situation 18
情景 18
Leah Jacobs has just opened a savings account at the First National Bank.She is asking a clerk about the meaning of the rules and regulations printed on her passbook.
利厄·雅各布斯剛剛在第一國(guó)民銀行開立了一個(gè)儲(chǔ)蓄帳戶，她正在向一個(gè)職員詢問有關(guān)印在存折上的各項(xiàng)規(guī)章與條例的含義。
Do you mean that I have to give you notice before I can make a withdrawal?
您是說，在我取款之前，得事先給您一個(gè)通知嗎？
Clerk:Yes,Mrs.Jacobs,it technically means that .All banks may technically require prenotification before they must honour withdrawal requests on savings or other interest bearing accounts.
職員：是的，雅各布斯夫人。從法律角度上看，它是這個(gè)意思。所有銀行都可能需要一個(gè)事先通知，取款人才有權(quán)從儲(chǔ)蓄帳戶和其他附息的帳戶中取出所需求的款項(xiàng)。
J:How much notice must I give ?
雅各布斯：我需要提前多少時(shí)間通知銀行？
C:Our bank ,like many others,may require seven day's notice .But in actual practice we honour your request without requiring notification .
職員：象許多其他銀行一樣，我們銀行可能要求7天前通知。但實(shí)際工作中，在沒有提前通知的情況下，我們也會(huì)滿足您的取款要求。
Of course ,the bank has the option of enforcing the rule should it be necessary .
當(dāng)然啦，如果必要的話，銀行是有權(quán)利按照這一條規(guī)定來做的。
J:That's amazing .I never knew that before .
雅各布斯：這倒令我吃驚，以前我從來不知道這些。
C:You'll find that all banks are required to have the same rule .
職員：您會(huì)發(fā)現(xiàn)，所有的銀行都有這些同樣的規(guī)章。
J:I guess I've never read the fine print on my passbook before.
雅各布斯：我可能還從來沒讀過我存折上的這些很小的印刷字體。
This next item says that there is a service charge for more than two transactions a month .
下面一條講到，如果在一個(gè)月內(nèi)有兩次以上存取款，就要收取手續(xù)費(fèi)。
C;Yes,Mrs.Jacobs.Again,that's technically permitted by the regulations.
職員：是的，雅各布斯夫人。同樣，這也是屬于法定條例。
The main reason is to discourage the use of savings accounts for frequent transactions .
這是因?yàn)殂y行不鼓勵(lì)使用儲(chǔ)蓄帳戶進(jìn)行過于頻繁的存取款活動(dòng)。
Current ,or checking,accounts are designed for regular and frequent transactions.
往來帳戶或支票帳戶就是為了經(jīng)常和頻繁的存款和取款而設(shè)的。
J:But I've never been charged.
雅各布斯：但是，我卻從來沒有為此付過費(fèi)用。
C:Well,most banks rarely invoke that regulation .
職員：哦，大多數(shù)銀行很少實(shí)行那條規(guī)定。
Account Rules and Regulations
帳戶規(guī)章與條例
Situation 18
情景 18
Leah Jacobs has just opened a savings account at the First National Bank.She is asking a clerk about the meaning of the rules and regulations printed on her passbook.
利厄·雅各布斯剛剛在第一國(guó)民銀行開立了一個(gè)儲(chǔ)蓄帳戶，她正在向一個(gè)職員詢問有關(guān)印在存折上的各項(xiàng)規(guī)章與條例的含義。
Do you mean that I have to give you notice before I can make a withdrawal?
您是說，在我取款之前，得事先給您一個(gè)通知嗎？
Clerk:Yes,Mrs.Jacobs,it technically means that .All banks may technically require prenotification before they must honour withdrawal requests on savings or other interest bearing accounts.
職員：是的，雅各布斯夫人。從法律角度上看，它是這個(gè)意思。所有銀行都可能需要一個(gè)事先通知，取款人才有權(quán)從儲(chǔ)蓄帳戶和其他附息的帳戶中取出所需求的款項(xiàng)。
J:How much notice must I give ?
雅各布斯：我需要提前多少時(shí)間通知銀行？
C:Our bank ,like many others,may require seven day's notice .But in actual practice we honour your request without requiring notification .
職員：象許多其他銀行一樣，我們銀行可能要求7天前通知。但實(shí)際工作中，在沒有提前通知的情況下，我們也會(huì)滿足您的取款要求。
Of course ,the bank has the option of enforcing the rule should it be necessary .
當(dāng)然啦，如果必要的話，銀行是有權(quán)利按照這一條規(guī)定來做的。
J:That's amazing .I never knew that before .
雅各布斯：這倒令我吃驚，以前我從來不知道這些。
C:You'll find that all banks are required to have the same rule .
職員：您會(huì)發(fā)現(xiàn)，所有的銀行都有這些同樣的規(guī)章。
J:I guess I've never read the fine print on my passbook before.
雅各布斯：我可能還從來沒讀過我存折上的這些很小的印刷字體。
This next item says that there is a service charge for more than two transactions a month .
下面一條講到，如果在一個(gè)月內(nèi)有兩次以上存取款，就要收取手續(xù)費(fèi)。
C;Yes,Mrs.Jacobs.Again,that's technically permitted by the regulations.
職員：是的，雅各布斯夫人。同樣，這也是屬于法定條例。
The main reason is to discourage the use of savings accounts for frequent transactions .
這是因?yàn)殂y行不鼓勵(lì)使用儲(chǔ)蓄帳戶進(jìn)行過于頻繁的存取款活動(dòng)。
Current ,or checking,accounts are designed for regular and frequent transactions.
往來帳戶或支票帳戶就是為了經(jīng)常和頻繁的存款和取款而設(shè)的。
J:But I've never been charged.
雅各布斯：但是，我卻從來沒有為此付過費(fèi)用。
C:Well,most banks rarely invoke that regulation .
職員：哦，大多數(shù)銀行很少實(shí)行那條規(guī)定。