MAN：Good morning. I’d like to open a bank account, please.
WOMAN：Certainly. If you'd like to take a seat, I’ll just get some information on our different options for you. It won't take long.
MAN：Thanks.
WOMAN：I’ve got the application form for you here. I see you've already got our leaflet.
As you can see, we have different types of accounts-Is it a current account or a deposit account you want to open today?
MAN：A deposit account, I suppose. Could you tell me a little more about this type of account?The interest rate, for instance.
1WOMAN：Sure. Our interest rate is 3.4%, which is actually 1.3% higher than other banks.
So opening an account here is a good choice if you want to save.
MAN：And if I wanted to withdraw around 50, 000 dollars, would I need to wait?
2WOMAN：No, but when you withdraw more than 1 million dollars, it would be a different process. In the past, you had to give a notice 60 days in advance. But things are little different here. You only need to give a 30-day notice.
MAN：I see. That's great.
WOMAN：Can I ask, how much will you be opening your account with?
3We usually ask for a minimum sum of 300 dollars. But if you have more than $600, you'll have a better interest rate.
MAN：Well, I'm going to transfer $1, 000 from my Dutch account, just until I get paid.
WOMAN：That's not a problem.
MAN：Great! How long should it take to arrange a debit card? A week?
4WOMAN：I'm afraid not. The general process of opening the account needs 10 working days.
But it's usually quite fast. It takes most banks two more days than us.
MAN：That's good to know. What should I do if I need to close this account?
Do I come back to you or. . . ?
5WOMAN：I'm afraid not. My duty as an account administrator is to open the account for you. You'd need to talk to the branch manager about that matter.
MAN：And what's the best way to withdraw cash?
WOMAN：Well as this is a deposit account, if you need cash, there are two ways to do that.
6One is through any ATM of our bank at your convenience. Our bank tellers can also handle a cash withdrawal but you need to bring your identification.
MAN：Alright, I will keep that in mind.
MAN：I also want to enquire about insurance.
WOMAN：Oh, yes. I forgot to mention that. Deposit accounts with over 50, 000 dollars come with a life insurance policy free of charge.
7But, if you already have that type of insurance then you can change the policy to house insurance if you like.
MAN：I see, I guess I would go for the latter one.
WOMAN：Hmm, take your time to think about it.
8You can let us know if you change your mind. If you're interested, we also have investment schemes available .
You can find information about that option in your leaflet. Just give us a call if you want to know more.
MAN：Thanks, I think I'll just open the account today. If I want to apply for a credit card, can I also do that today?
9WOMAN：Yes, but there is an interview for the application.
10We usually ask for some information about your credit history and income.
If you want to get started, there is a form you can fill in now； it won't take long.
We just need to know your personal information, like your name, current address, phone number, social security number, and such.
We can start the process today and will call you in a few days.
MAN：Alright. Can I have the form please?
