当你第一次抵达美国, 你可能不知道用你的钱做什么或该相信谁. 一些新来者害怕使用银行. 你可能会感到紧张你的钱给陌生人一家银行. 你可能从来没有使用过银行, 并想知道如何开一个银行帐户. 此页包含银行信息，可帮助您了解美国系统.
When you first arrive in the United States, you may not know what to do with your money or who to trust. Some newcomers are afraid to use banks. You may feel nervous about giving your money to a stranger at a bank. You may have never used a bank before and wonder about how to open a bank account. This page has bank information to help you understand the US system.
Why you need a bank account
保持大量在您的家庭或公寓或与你不是钱的一个好主意因为它可以得到被盗或丢失. 最好把你的大部分钱存入银行或信贷联盟。. 美国的银行和信贷联盟是安全和安全的, 数以百万计的美国人使用银行.
Keeping large amounts of money in your home or apartment or with you is not a good idea because it can get stolen or lost. It is better to store most of your money in a bank or credit union. Banks and credit unions in the United States are safe and secure, and millions of Americans use banks.
一旦你开始赚钱你应该开一个银行账户. 这使你更容易从雇主那里得到钱。. 它也使它可以支付的东西通过邮件或在线.
Once you start making money you should open a bank account. It makes it easier to receive money from your employer. It also makes it possible to pay for things through the mail or online.
Types of bank accounts
You can open a savings account or a checking account.
支票帐户允许您的存款和支付你的账单. 一旦你的工作, 你可以收到你的薪水作为直接存款-这意味着它将直接到您的支票帐户从雇主.
Checking accounts allow you to deposit money and pay your bills. Once you are working, you can receive your paycheck as a direct deposit – this means it will go directly to your checking account from the employer.
如果你有一些积蓄, 或想开始保存, 您可以打开一个单独的银行帐户. 储蓄账户可帮助您为将来存钱. 你可以把钱放在储蓄账户利息. 然而, 大多数的储蓄账户只允许你拿钱出来的帐户每月几次.
If you have some savings, or want to start saving, you can open a separate bank account. Savings accounts help you save money for the future. You can earn interest by putting money in a savings account. However, most savings accounts only allow you to take money out of the account a few times per month.
Opening a bank account
开立银行帐户, 你至少需要一小笔钱. 开立银行帐户, 您必须显示两种类型的标识 (ID) 来证明你是谁.
To open a bank account, you will need at least a small amount of money. To open a bank account, you must show two forms of identification (ID) to prove who you are.
Checks and debit cards
在您打开您的储蓄或支票帐户之后, 您可能会收到借记卡和支票. 使用借记卡时, 钱从你的银行账户里出来了.
After you open your savings or checking account, you may receive a debit card and checks. When you use your debit card, the money comes out of your bank account.
借记卡是一种塑料卡, 你用来从自动取款机里取现金 (自动取款机), 这是一台持有金钱的机器. ATMS 通常在你的银行外面. 商店和其他公共场所还有许多其他的 ATMS, 但自动取款机不属于你们银行, 你可以付一定的费用来获得现金.
A debit card is a plastic card you use to get cash out of an ATM (automated teller machine), which is a machine that holds money. ATMS are usually outside your bank. There are many other ATMS in stores and other public places, but the ATM does not belong to you bank, you may pay a fee to get cash.
你也可以用借记卡支付商店里的东西, 在线, 并通过电话. 小心在网上使用借记卡. 学习如何安全 网上购物.
You can also use your debit card to pay for things in stores, online, and over the phone. Be careful using your debit card online. learn how to be safe shopping online.
为了保护您的身份, 你必须有一个别针 (个人识别号码) 使用您的卡. 每次从自动取款机取钱或买东西时, 你都要输入你的 PIN 码。. 如果你遗失了卡或它被盗, 没有人能使用它, 除非他们知道别针.
In order to protect your identity, you have to have a PIN (personal identification number) to use your card. You enter your PIN every time you take money out of the ATM or buy something. If you lose the card or it gets stolen, nobody can use it unless they know the PIN.
支票是填写的表格, 并签署支付的东西. 接收您支票的人将其存入银行, 你的银行支付他们的帐户. 您可以使用支票支付账单, 比如你的房租和公用事业. 当地商店也可以接受你的支票, 如果他们知道你.
Checks are forms you fill in and sign to pay for things. The person receiving your check deposits it in their bank, and your bank pays them out of your account. You can use checks to pay bills, such as your rent and utilities. Local shops may also accept your checks if they know you.
您是否选择储蓄帐户或支票帐户, 问你是否有资格享受免费的帐户. 银行员工应该回答你的问题, 帮助你了解银行和收费是如何运作的. 最好能存钱 (把钱放在银行里) 并提取资金 (从银行拿钱) 不收取任何费用. 大多数银行都有某种形式的免费支票账户, 所以你不需要支付一定的费用. 你可以在信用社得到更好的利率, 这是一种由其成员拥有的银行.
Whether you choose a savings account or a checking account, ask whether you qualify for a free account. Bank employees should answer your questions and help you understand how banks and fees work. It is better to be able to deposit money (put money in the bank) and withdraw money (take money out of the bank) without being charged a fee. Most banks have some form of free checking account, so you should not need to pay a fee. You may get better rates at a credit union, which is a type of bank owned by its members.
Managing your bank balance
一旦你有了一个银行账户, 你需要小心, 只花尽可能多的钱, 你在你的银行. 如果你写一张支票，但没有足够的钱来进行检查, 你将收取透支费 $50 或更多. 如果你犯了错, 你可以向银行解释这是一个真正的误会, 并礼貌地要求银行退还费用, 他们可能会或不退还它.
Once you have a bank account, you need to be careful to spend only as much money as you have in your bank. If you write a check but do not have enough money for the check, you will be charged an overdraft fee of $50 or more. If you make a mistake, you can explain to the the bank it was a genuine misunderstanding and politely ask the bank to refund the fee, and they may or may not refund it.
避免错误, 你可以检查你在银行的储蓄或支票账户里有多少钱。, 在线, 或在 atm 机. 你的数量被称为你的 “银行余额。” 透支费花了很多钱, 因此, 明智的是保持一个非常仔细的手表你的银行余额!
To avoid mistakes, you can check how much money you have in savings or checking account at the bank, online, or at an ATM. The amount you have is called your “bank balance.” Overdraft fees cost a lot of money, so it is wise to keep a very careful watch on your bank balance!