(英语教程 修订版2)unit 5 Service.ppt

;;Warming-up;Warming-up;Listening;Listening;Listening; Listening;Listening;Listening;Listening;Listening;Listening;Listening;;Banking Services Banks offer many different services. The most common banking service is the checking account. People deposit, or put their money in the bank, and then they can write checks to buy things. A check is a piece of paper which tells the bank to pay the seller. The bank must pay the seller from the customer’s account. The customer usually pays the bank a service charge for a checking account, which is sometimes five or eight dollars a month. There is not always a monthly fee, but then customers pay 10 or 20 cents for each check that they write.; Another banking service is the savings account. People can deposit some of their money which they do not need right now in a savings account. They will leave the money in the bank and withdraw it when they need it—next month or next year. Because the money will stay in the bank, the bank can use the money. It will pay interest, or money that the bank gives to the customer, on the savings account. For example , imagine that a customer puts $3,000 in a savings account on January 1. If the bank pays 5.5% interest, the customer will have about $3,045 in March. In other words, the bank has paid $45 in interest for three months. Loans are another important banking service. A bank can give money to businesses and to individual people. The bank may loan money to a business to buy more machines or tools. It may loan money to someone to buy a car or to buy a house. Some people borrow money from the bank to build swimming pools or to repair their houses. The bank always charges interest on loans. The borrower must repay the loan plus the interest. The interest on loans is always higher than the interest on savings accounts.; Banks in the United States usually have safe deposit boxes. These boxes are in the vault at the bank. The vault is a roo