When a bank makes a payment on a check, it cancels the check. That is, it marks the check with some kind of stamp so that the check cannot be used again. Postage stamps are also canceled to indicate that they have been used and cannot be used again. 當(dāng)銀行兌付支票時(shí)要予以注銷，也就是說，銀行要用某種戳記蓋在支票上，支票就不會(huì)再使用了。郵票也要注銷，表明郵票已經(jīng)用過，不能再用?！?BR> If you have a checking account, the bank sends you your canceled checks along with your monthly statement. These checks can be used instead of receipts. They can be used as proof that payment has been made. 如果你有支票賬戶，銀行每月把你的付訖支票連同月度清單送給你。這些支票可以代替收據(jù)，當(dāng)作付款的證據(jù)?！?BR> If you open an account or if you want to cash a check, you must provide proof of your identity. In the U. S., a driver's license is probably the most frequently used kind of identification. Passports are always acceptable for this purpose. When you open an account, you are asked to fill out a signature card. You must be careful to sign your name exactly as you intend to write it on your checks. The bank compares the signature on your checks with that on your signature card. If there is any doubt about the signature, the bank will refuse to cash the check and will return the check to the endorser. A check must be endorsed before it can be cashed - that is, the person or company to whom the check is made out must sign it on the back. 如果你要開戶，或想兌現(xiàn)支票，必須提供你的身份證件。在美國，駕照也許是最常用的身份證件，護(hù)照一直當(dāng)作身份證使用。在你開戶時(shí)，銀行會(huì)要你填寫一張印鑒卡，你必須認(rèn)真地簽字，它要同你今后在支票上的簽字完全相符，銀行會(huì)將支票上的簽字與你印鑒卡上的簽字核對(duì)。如果銀行對(duì)簽字的真實(shí)性有懷疑，它將會(huì)拒絕兌現(xiàn)支票，將支票退給背書人。支票在兌現(xiàn)之前必須先背書，也就是說，支票向其開出的個(gè)人或公司必須在支票的背面簽字。
When you put money in the bank, you write the date and the amount deposited on a deposit slip. 當(dāng)你到銀行存款時(shí)，你要在存款憑條上寫明日期和所存的金額?！?BR> At the end of the month, the bank sends you a statement of your account. The statement provides a summary of the checks that have been paid and the deposits that have been made. The amount that is left in your account after the cheeks have been deducted and the deposits have been credited is the balance. 到月底，銀行會(huì)把賬戶的對(duì)賬單送給你，對(duì)賬單提供了支票付款及存款的情況摘要。在扣除了支票款及貸記的存款額之后，賬戶上剩下的金額就是余額?！?BR> If you ever went to the United States to study in a college or a university, one of the first things you would have to do is open a checking account. You would find it safer and more convenient to put your money in a bank and write out checks to pay for your larger purchases. And checking accounts have other advantages as well. The canceled checks that are returned to you provide a record of where your money was spent, and they can serve as proof that payment was received ---- that is, canceled checks can serve as receipts. 如果你到美國上大學(xué)，你必須要做的一件事就是開立一個(gè)支票賬戶。你會(huì)覺得把錢存在銀行更安全，用支票購買大件商品更方便。而且支票賬戶還有其他優(yōu)點(diǎn)。寄回的付訖支票記載了你花錢的地點(diǎn)，當(dāng)作收到款項(xiàng)的證據(jù)，也就是說，付訖支票可以當(dāng)作收據(jù)。
If you went to a bank to open an account, you would probably go through most of the following procedures.Not all banks have the same requirements for opening new accounts, of course, and the routine may vary somewhat. First you would go to the New Accounts Department and fill out a signature card. In order to open an account, you would have to furnish proof of your identity. A passport is one of the best kinds of identification to have, but other kinds are accepted, one of the most common being a driver's license. You would need to have a permanent address in the city, and you would also be asked to supply the name of a permanent resident who is willing to recommend you. For this purpose you could use the name of your landlord or landlady, for example, or the name of the foreign student adviser at the university. And last but not least, you would need to bring some cash with you in order to open your account. Many banks require a minimum cash deposit of $ 50. 如果你到銀行開立賬戶，也許會(huì)經(jīng)歷以下手續(xù)。當(dāng)然，不是所有的銀行都有相同的開戶要求，手續(xù)可能有些不同。首先，你要到開戶部填寫印鑒卡，開戶時(shí)必須提供你的身份證件。護(hù)照是一種的身份證件，但其他類型的身份證件也行，最常用的一種就是駕照。你須有市區(qū)的常住地址，并提供一位愿意作為你開戶介紹人的常住居民的名字。為此，你可以用，比如，你的房東、房東太太，或大學(xué)外國留學(xué)生導(dǎo)師的名字。最后的一項(xiàng)要點(diǎn)是，你要帶一些現(xiàn)金以便開戶。許多銀行規(guī)定了最低起存金額50元?！?BR> After you had completed your application, the bank would make up an individual folder for your account. Your signature card would be kept in this folder. Whenever checks were received for payment, the bank would file them by number in your folder and compare the signatures with the one on your card. If there was any doubt about a particular signature, the check would not be paid and would be returned to the endorser.
When you put money in the bank, you write the date and the amount deposited on a deposit slip. 當(dāng)你到銀行存款時(shí)，你要在存款憑條上寫明日期和所存的金額?！?BR> At the end of the month, the bank sends you a statement of your account. The statement provides a summary of the checks that have been paid and the deposits that have been made. The amount that is left in your account after the cheeks have been deducted and the deposits have been credited is the balance. 到月底，銀行會(huì)把賬戶的對(duì)賬單送給你，對(duì)賬單提供了支票付款及存款的情況摘要。在扣除了支票款及貸記的存款額之后，賬戶上剩下的金額就是余額?！?BR> If you ever went to the United States to study in a college or a university, one of the first things you would have to do is open a checking account. You would find it safer and more convenient to put your money in a bank and write out checks to pay for your larger purchases. And checking accounts have other advantages as well. The canceled checks that are returned to you provide a record of where your money was spent, and they can serve as proof that payment was received ---- that is, canceled checks can serve as receipts. 如果你到美國上大學(xué)，你必須要做的一件事就是開立一個(gè)支票賬戶。你會(huì)覺得把錢存在銀行更安全，用支票購買大件商品更方便。而且支票賬戶還有其他優(yōu)點(diǎn)。寄回的付訖支票記載了你花錢的地點(diǎn)，當(dāng)作收到款項(xiàng)的證據(jù)，也就是說，付訖支票可以當(dāng)作收據(jù)。
If you went to a bank to open an account, you would probably go through most of the following procedures.Not all banks have the same requirements for opening new accounts, of course, and the routine may vary somewhat. First you would go to the New Accounts Department and fill out a signature card. In order to open an account, you would have to furnish proof of your identity. A passport is one of the best kinds of identification to have, but other kinds are accepted, one of the most common being a driver's license. You would need to have a permanent address in the city, and you would also be asked to supply the name of a permanent resident who is willing to recommend you. For this purpose you could use the name of your landlord or landlady, for example, or the name of the foreign student adviser at the university. And last but not least, you would need to bring some cash with you in order to open your account. Many banks require a minimum cash deposit of $ 50. 如果你到銀行開立賬戶，也許會(huì)經(jīng)歷以下手續(xù)。當(dāng)然，不是所有的銀行都有相同的開戶要求，手續(xù)可能有些不同。首先，你要到開戶部填寫印鑒卡，開戶時(shí)必須提供你的身份證件。護(hù)照是一種的身份證件，但其他類型的身份證件也行，最常用的一種就是駕照。你須有市區(qū)的常住地址，并提供一位愿意作為你開戶介紹人的常住居民的名字。為此，你可以用，比如，你的房東、房東太太，或大學(xué)外國留學(xué)生導(dǎo)師的名字。最后的一項(xiàng)要點(diǎn)是，你要帶一些現(xiàn)金以便開戶。許多銀行規(guī)定了最低起存金額50元?！?BR> After you had completed your application, the bank would make up an individual folder for your account. Your signature card would be kept in this folder. Whenever checks were received for payment, the bank would file them by number in your folder and compare the signatures with the one on your card. If there was any doubt about a particular signature, the check would not be paid and would be returned to the endorser.