[speaker001:] good morning. How can I help you?
[speaker002:] I'd like to open a new account.
[speaker001:] have you filled out an application form?
[speaker002:] yes. And I've brought some documents along with me, too. Do you need to see my passport?
[speaker001:] yes. I'll just have my assistant look over these quickly and then we'll move on to the next step. Did you want to open up a checking account and a savings account?
[speaker002:] yes. Does the checking account come with a debit card?
[speaker001:] yes. Actually, both accounts come with cards that you can use in ATM machines, so that you won't have to come in to the bank to make a transaction.
[speaker002:] that's very convenient.
[speaker001:] it is. Our customers really like it. Do you have any other questions about your new accounts?
[speaker002:] yes. What's the maximum amount that you are allowed to have in an overdraft?
[speaker001:] the maximum is $ 1000.
[speaker002:] is there a penalty for having an overdraft?
[speaker001:] yes, but it's not much. You just have to pay 1 % interest on the amount. It's much lower rate than any of our loans and it's much better than owing money to most credit cards.
[speaker002:] that's true. Is everything alright with my documents?
[speaker001:] they're all in order. If you just sign your name here, you'll receive your cards and pin numbers in the mail in about three weeks.
[speaker002:] thank you very much.
[speaker001:] you're welcome.