[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 account. 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.