1 / 4认得Recognize看到这个英文，我知道它大概是什么。I see it, and I know roughly what it is.
Checking Account
CHEK-ing uh-KOWNT
支票账户
체킹 계좌
Where you'll see it你会在哪里看到
- 银行开户时的选项
- 银行 App 的账户清单
- ATM 的菜单
- 工资入账（direct deposit）表格
What it actually means白话说
日常收付用的账户。薪水进这里，房租、账单、刷借记卡的钱也从这里出去。在美国开户，通常第一个开的就是它。
Common mistake常见的误会
名字里有 check（支票），但它不是专门拿来开支票的账户，就是平常进出钱的那一个。表格上要你勾 Checking 或 Savings，是在问账户类型，不是在问你要不要支票。
Often right next to it旁边常出现的单词
- Savings Account储蓄账户 저축 계좌
- Debit card借记卡 직불카드
- Available balance可用余额 사용 가능 잔액
- Monthly fee账户月费 월 수수료
- Minimum balance最低余额 최소 잔액
2 / 4听懂Understand对方讲一整句，我抓得到关键词。They say a whole sentence. I catch the keyword.
You may hear你可能会听到
Banker
“Would you like to open a checking account or a savings account?”
你想开日常用的支票账户，还是储蓄账户？
Listen for these words整句听不懂没关系，抓这几个词
- checking account支票账户（日常收付）
- savings account储蓄账户（存钱）
3 / 4开口Say不用讲得完美，我有一句最简单的可以说。It doesn't have to be perfect. I have one simple line.
You can say你可以说
Checking, please.
支票账户，谢谢。
I'd like to open a checking account.
我想开一个支票账户。
Is there a monthly fee?
有月费吗？
4 / 4实战Survive真的遇到了，我知道现在发生什么。When it really happens, I know what's going on.
Quick check实战一下
你到银行柜台存一张支票，银行职员接过去之后问你。
Teller 说：Teller says:
“Is this going into checking or savings?”