Professional Documents
Culture Documents
Workbook Unit9
Workbook Unit9
Intermediate 1 Unit 9
Unit 9
Banking
Introduction
cash dispensers • checking account • debit card • deposit • maintenance fee • withdraw
checking account
Customer: I’d like to open a basic (1)__________________.
Bank Clerk: Sure. That would be our Essentials account. And that comes with a free
credit card
(2)__________________.
Customer: withdraw
Can I use the card to (3)__________________ money from the ATM?
cash dispensers
Bank Clerk: Yes, and there’s no fee when you use our bank’s (4)__________________.
Customer: maintenance fee
Does the account have a monthly (5)__________________?
Bank Clerk: There is a $12 fee. But you can avoid it if you keep a balance of $1000
in your account.
Customer: deposit
How much money do I need to (6)__________________ when I open the
account?
Bank Clerk: A minimum of $100.
b. The sentences in the chart below all include modals. Mark whether the sentences
express possibility, necessity, or advice.
1. You need / must/ can to keep $200 in your account if you don’t want to pay a fee.
2. You can/ should/ have to withdraw money from any ATM in the country without a fee.
3. Ought to/ Should/ Have to we open a checking account and a savings account?
4. If you’d like, you should/ can/ must do direct deposit into your checking account.
5. If I decide to buy a car, I’ll have to/ must to/ able to take out a loan from the bank.
6. With my banking app, I‘m should/ able to/ ought to deposit a check using my smartphone.
Customer
b
1. I would like my paycheck to go straight into my bank account. ________
a
2. I would like an account that earns money. ________
c
3. How much money do I have left in my account? _________
d
4. Banking hours are very inconvenient. _________
5. I like the idea of doing banking from home, but I don’t have an Internet connection.
e
________
Banker
a. With our Secure Savings account you can earn compound interest
b. OK, we’ll sign you up for direct deposit.
c. Your balance is $500.
d. Well, you can also do text or phone banking.
e. You should do Internet banking. All you need is a computer and an Internet
connection.
b. You are a bank clerk who has to explain banking terms to a customer. Define the
following terms.
payment you make once a year
1. Annual fee ____________________________________________________________
cash dispenser
2. ATM ________________________________________________________________
It's the credit or interest produced by a person or an institution
3. Compound interest _____________________________________________________
c. You are a bank clerk and your partner is a customer. Tell him or her the benefits of
banking at your bank. Then, switch roles.
3. Max mentions two things his banking app does. What are they?
Shows
_ where is the nearest ATM
____________________________________________________________________
do
_ a card-less cash withdrawal
____________________________________________________________________
b. Write a new dialogue between a bank clerk and a customer. Use words and phrases from
activity a.
Bank Clerk: Hello. How can I help you?
_____________________________________________________________
Customer: I'd like to open a checking account with no monthly fee.
_____________________________________________________________
Bank Clerk: Our Rewards Plus savings account has a high interest rate.
____________________________________________________________
Customer: I like these idea.
_____________________________________________________________
Bank Clerk: Will you be able to keep a minimum balance of $500 in your account? It's necessary.
____________________________________________________________
Customer: Of course.
_____________________________________________________________
Hi.
I am a DBHI customer. I have a Primary checking account and a Basic savings
account, and I have a couple of questions:
What happens if I make a purchase and there isn’t enough money in my checking
account to cover the purchase?
Thank you,
Trey Nuno
c. The bank e-mails Trey back. Read the email. Then answer the questions that follow.
Dear Trey,
First of all, you should sign up for overdraft protection. With overdraft
protection, if you don’t have enough money in your account, we’ll cover the
purchase. Then, we’ll take the money you owe out of your savings account. Our
overdraft protection is free. You only have to pay a fee when you use it.
Secondly, since you’re a student under 23 years old, we can drop the monthly
maintenance fee, and you’ll be able to bank for free!
Best regards,
The DBHI Capital Bank Customer Service Team
1. What is an overdraft?
It is a situation in which the savings account has a balance less than zero
_____________________________________________________________________
_____________________________________________________________________
2. How can Trey Nuno avoid an overdraft?
Sign up for overdraft protection
_____________________________________________________________________
_____________________________________________________________________
3. Why doesn’t Trey Nuno have to pay a monthly maintenance fee?
Because he is a student
_____________________________________________________________________
_____________________________________________________________________
Banking Trends
a. Below is an advertisement for a mobile banking app. Read the advertisement and do the
activities that follow.
• Singer International Bank’s mobile banking app was rated best in the country
by Finance News magazine.
• Our app is simple to use, yet allows you to do almost everything on your phone
that you can do in a branch.
• You can send money to friends, deposit checks, see account statements, make
payments at stores, and more.
• No need to remember complicated passwords. Our mobile app uses Touch
ID, which identifies you from your fingerprint. Touch ID is not only convenient
-- it prevents other people from accessing your account.
• We're committed to keeping your private information secure. Our security
systems help protect you with the latest encryption technology
1. The advertisement mentions two methods of improved security. What are they?
_Touch ID
_____________________________________________________________________
______________________________________________________________________
2. What are four things that you can do with this app?
_Send money to friends
_____________________________________________________________________
Deposit checks
______________________________________________________________________
See account statements
______________________________________________________________________
Make payments at stores
______________________________________________________________________