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更多“minimum charges”相关的问题
第1题
What is true about the bank's checking account？
A．It charges no monthly fees.
B．It earns interest each month.
C．It requires a minimum balance of $300.
D．It has a limit of 10 checks per month.
第2题
Lamberts Bank
206 Rampton Hill
Thompson, WY 82073-3341
June 26
Mr. Michael Hunter
92 Woodvale Road
Wilton, WY 82007
Dear Mr. Hunter:
Your application for a bank account has been successful, and we are able to offer you the following:
Checkbook
Check guarantee/debit card
Use of Lamberts automatic teller machines (ATM's) and CONNEX ATM's
Online banking and 24-hour telephone banking
A copy of the bank account conditions that apply to your account is enclosed.
Please deposit a minimum of $ 100 into your account. Once this has cleared, we will send your check guarantee/debit card to you.
Thank you for your business.
Sincerely,
Jean Villiers
Jean Villiers (Ms.)
Accounts Manager
Why is the bank writing to Mr. Hunter？
A．He lost his check book and check guarantee card.
B．There are new charges to his account.
C．He asked to open an account.
D．He needed instructions for using the ATM's.
第3题
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How much will you be charged for becoming a member of the club？
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B．$29.99
C．$9.90
D．$150.00
第4题
Checking accounts
In the United States, checking accounts are available only at commercial banks. Commercial banks specialize in demand deposits, such as checking accounts. A checking account is money that a customer deposits in order to use that money to write checks. Saving accounts pay the depositor interest but checking accounts do not. In fact, checking account customers pay the bank a service charge for the bookkeeping involved in administering the account.
The method of recordkeeping is also different in savings accounts and checking accounts. A depositor must present his passbook for any savings account transaction. The bank records these transactions in the depositor's passbook. Checking account customers, however, do not have passbooks. They themselves record the amounts of the checks that they write and they receive a monthly statement from the bank. This statement lists all the checks that the bank paid and all deposits that the account holder made during the month. The bank usually sends the statements with the customer's cancelled checks. The customer then compares the balance on the statement with the balance in his own records by subtracting the total of his outstanding checks.
There are other fees that the bank may collect from checking account holders. For instance, banks charge a fee for stopping payment to a check. When a depositor decides that be doesn't want the bank to pay a payee, but he bas already written a check to that person, he may give the bank a stop payment order. The bank will then refuse to pay this check, and charges the depositor a fee. 'Banks also charge a depositor a fee when he is overdrawn. A depositor is overdrawn when he writes a check for more money than the balance in his account: The bank marks the check "insufficient funds", returns it, and charges a penalty for it. In everyday language we say that a check returned for insufficient funds has "bounced".
Recent changes in banking regulations have allowed savings banks to offer negotiable order of withdrawal accounts. These accounts, called N. O. W. accounts, are very similar to checking accounts but they pay interest like savings accounts. The depositor can write withdrawal orders against the balance in the account. These withdrawal orders look like checks, and depositors receive a monthly statement summarizing deposits and withdrawals. There is often no service charge if depositors keep a minimum balance in their accounts. Commercial banks also offer N. O. W. accounts.
As far as checking accounts go, the difference between savings banks and commercial banks is growing smaller in the U. S.
State whether each statement is true or false based on the reading.
Checking accounts are available at savings banks.
A．True
B．False
第5题
【A4】
A.YOU CAN SCHEDULE AN AUTOMATIC PAYMENT.
B.TRYING TO GET OUT OF THE LATE FEE SOMETIMES.
C.YOU"D BETTER PLAN TO PAY AHEA
D.
D.CHANGE YOUR PAYMENT DUE DATE IN ORDER TO AVOID LATE FE
E.
E.YOU COULD ALSO SET FOR YOURSELF A REMINDER TO PAY IN TIM
E. SOME TIPS TO AVOID A CREDIT CARD LATE FEE IF YOU"RE EVEN A MINUTE LATE WITH A PAYMENT, YOUR CREDIT CARD COMPANY CAN HIT YOU HARD IN THE WALLET—AS MUCH AS $39 EACH TIME, ACCORDING TO A JULY 2008 SURVEY. HOWEVER, SOME SIMPLE STEPS CAN HELP KEEP YOUR EXPOSURE TO THESE EXTRA COSTS TO A MINIMU
M. 【A1】______ A FEW CARD ISSUERS, INCLUDING CHASE AND HSBC, CHARGE EXTRA FEES FOR ONLINE PAYMENTS THAT YOU NEED TO POST THE SAME DAY, SO EVEN IF YOU PAY ELECTRONICALLY, DO IT THREE TO FOUR DAYS AHEAD SO YOUR CREDIT CARD COMPANY WILL PROCESS THE PAYMENT BY THE DUE DAT
E.IF YOU"RE SNAIL-MAILING CHECKS, ALLOW EVEN MORE TIME—ABOUT 10 DAYS—TO ALLOW FOR MAIL SNAFUS.AND UNLESS YOU"RE DESPERATE, FORGET ABOUT PHONE PAYMENTS—A NUMBER OF BANKS CHARGE A FEE FOR THEM, NO MATTER WHEN YOU CALL. 【A2】______ A FEW CARD ISSUERS ALLOW YOU TO CHOOSE A DUE DATE TO COINCIDE WITH YOUR PAYDAY SCHEDULE, SO A CASH SHORTFALL WON"T MAKE YOU LAT
E.YOU CAN EVEN CHOOSE A DUE DATE THAT"S EASIER TO REMEMBER.YOUR BIRTHDAY"S ON FE
B.17？ MAKE YOUR CREDIT CARD PAYMENT DUE ON THE 17TH OF EACH MONT
H. 【A3】______ SOME BANKS OFFER AN AUTOPAY PROGRAM THAT LINKS YOUR CREDIT CARD TO A CHECKING OR SAVING ACCOUNT; YOU DECIDE WHETHER TO AUTOMATICALLY PAY THE NEW BALANCE, THE CURRENT MINIMUM PAYMENT OR A FIXED DOLLAR AMOUNT.IF YOU BANK ONLINE, YOU CAN ALSO ARRANGE A DO-IT-YOURSELF AUTOPAY.JUST ESTIMATE YOUR USUAL MONTHLY MINIMUM, SCHEDULE A MONTHLY PAYMENT DATE AND HAVE THE AMOUNT DEDUCTED FROM YOUR ACCOUNT AUTOMATICALLY.JUST MAKE SURE YOU HAVE ENOUGH IN CHECKING TO COVER IT OR THE OVERDRAFT FEES WILL EAT UP YOUR SAVING ON LATE FEES. 【A4】______ SOME CREDIT CARD COMPANIES, INCLUDING CHASE, WILL ALERT YOU OF UPCOMING DUE DATES BY E-MAIL OR VOICE MAIL.YOU CAN ALSO SCHEDULE A MONTHLY E-MAIL REMINDER THROUGH A WEB SITE, SUCH AS MEMOTO M
E.COM OR REMEMBERTHMIL
K.CO
M. 【A5】______ EVEN CONSCIENTIOUS CONSUMERS WILL PROBABLY GET HIT WITH A LATE FEE AT SOME POINT.HOWEVER, IF YOU HAVE A GOOD RECORD OF ON-TIME PAYMENTS, CALL AND POLITELY ASK A CUSTOMER SERVICE REPRESENTATIVE TO WAIVE THE CHARG
E.NO DICE？ ASK TO TALK TO A SUPERVISOR, OR TRY AGAIN ON A DIFFERENT DAY.YOU MIGHT EVEN THREATEN TO CLOSE YOUR ACCOUNTS WITH THE COMPANY—A TACTIC THAT WORKED FOR JEFF ROTH OF MOLALLA, ORE, AFTER HIS WIFE"S CHASE CREDIT CARD WAS HIT WITH A $ 39 LATE FEE WHEN THE FOURTH OF JULY DELAYED PROCESSING OF A PAYMENT."MY ADVICE TO THOSE WHO FEEL THEY HAVE UNJUSTLY BEEN ASSESSED LATE FEES IS TO BE ASSERTIVE ABOUT GETTING THE CHARGES REMOVE
D." SAYS ROTH, WHO POSTED ABOUT HIS PLIGHT AT GETRICHSLOW-LY.OR
G."IT WON"T ALWAYS WORK, BUT MOST CREDIT CARD COMPANIES WILL LEAST GIVE YOU ONE FREEBI
E." NEXT TIME, THOUGH, YOU MAY BE ON YOUR OW
N.COLOR IS VERY IMPORTANT TO MOST ANIMALS FOR IT HELPS THEM TO GET ALONG IN THE WORL
D.
第6题
【A1】
A.YOU CAN SCHEDULE AN AUTOMATIC PAYMENT.
B.TRYING TO GET OUT OF THE LATE FEE SOMETIMES.
C.YOU"D BETTER PLAN TO PAY AHEA
D.
D.CHANGE YOUR PAYMENT DUE DATE IN ORDER TO AVOID LATE FE
E.
E.YOU COULD ALSO SET FOR YOURSELF A REMINDER TO PAY IN TIM
E. SOME TIPS TO AVOID A CREDIT CARD LATE FEE IF YOU"RE EVEN A MINUTE LATE WITH A PAYMENT, YOUR CREDIT CARD COMPANY CAN HIT YOU HARD IN THE WALLET—AS MUCH AS $39 EACH TIME, ACCORDING TO A JULY 2008 SURVEY. HOWEVER, SOME SIMPLE STEPS CAN HELP KEEP YOUR EXPOSURE TO THESE EXTRA COSTS TO A MINIMU
M. 【A1】______ A FEW CARD ISSUERS, INCLUDING CHASE AND HSBC, CHARGE EXTRA FEES FOR ONLINE PAYMENTS THAT YOU NEED TO POST THE SAME DAY, SO EVEN IF YOU PAY ELECTRONICALLY, DO IT THREE TO FOUR DAYS AHEAD SO YOUR CREDIT CARD COMPANY WILL PROCESS THE PAYMENT BY THE DUE DAT
E.IF YOU"RE SNAIL-MAILING CHECKS, ALLOW EVEN MORE TIME—ABOUT 10 DAYS—TO ALLOW FOR MAIL SNAFUS.AND UNLESS YOU"RE DESPERATE, FORGET ABOUT PHONE PAYMENTS—A NUMBER OF BANKS CHARGE A FEE FOR THEM, NO MATTER WHEN YOU CALL. 【A2】______ A FEW CARD ISSUERS ALLOW YOU TO CHOOSE A DUE DATE TO COINCIDE WITH YOUR PAYDAY SCHEDULE, SO A CASH SHORTFALL WON"T MAKE YOU LAT
E.YOU CAN EVEN CHOOSE A DUE DATE THAT"S EASIER TO REMEMBER.YOUR BIRTHDAY"S ON FE
B.17？ MAKE YOUR CREDIT CARD PAYMENT DUE ON THE 17TH OF EACH MONT
H. 【A3】______ SOME BANKS OFFER AN AUTOPAY PROGRAM THAT LINKS YOUR CREDIT CARD TO A CHECKING OR SAVING ACCOUNT; YOU DECIDE WHETHER TO AUTOMATICALLY PAY THE NEW BALANCE, THE CURRENT MINIMUM PAYMENT OR A FIXED DOLLAR AMOUNT.IF YOU BANK ONLINE, YOU CAN ALSO ARRANGE A DO-IT-YOURSELF AUTOPAY.JUST ESTIMATE YOUR USUAL MONTHLY MINIMUM, SCHEDULE A MONTHLY PAYMENT DATE AND HAVE THE AMOUNT DEDUCTED FROM YOUR ACCOUNT AUTOMATICALLY.JUST MAKE SURE YOU HAVE ENOUGH IN CHECKING TO COVER IT OR THE OVERDRAFT FEES WILL EAT UP YOUR SAVING ON LATE FEES. 【A4】______ SOME CREDIT CARD COMPANIES, INCLUDING CHASE, WILL ALERT YOU OF UPCOMING DUE DATES BY E-MAIL OR VOICE MAIL.YOU CAN ALSO SCHEDULE A MONTHLY E-MAIL REMINDER THROUGH A WEB SITE, SUCH AS MEMOTO M
E.COM OR REMEMBERTHMIL
K.CO
M. 【A5】______ EVEN CONSCIENTIOUS CONSUMERS WILL PROBABLY GET HIT WITH A LATE FEE AT SOME POINT.HOWEVER, IF YOU HAVE A GOOD RECORD OF ON-TIME PAYMENTS, CALL AND POLITELY ASK A CUSTOMER SERVICE REPRESENTATIVE TO WAIVE THE CHARG
E.NO DICE？ ASK TO TALK TO A SUPERVISOR, OR TRY AGAIN ON A DIFFERENT DAY.YOU MIGHT EVEN THREATEN TO CLOSE YOUR ACCOUNTS WITH THE COMPANY—A TACTIC THAT WORKED FOR JEFF ROTH OF MOLALLA, ORE, AFTER HIS WIFE"S CHASE CREDIT CARD WAS HIT WITH A $ 39 LATE FEE WHEN THE FOURTH OF JULY DELAYED PROCESSING OF A PAYMENT."MY ADVICE TO THOSE WHO FEEL THEY HAVE UNJUSTLY BEEN ASSESSED LATE FEES IS TO BE ASSERTIVE ABOUT GETTING THE CHARGES REMOVE
D." SAYS ROTH, WHO POSTED ABOUT HIS PLIGHT AT GETRICHSLOW-LY.OR
G."IT WON"T ALWAYS WORK, BUT MOST CREDIT CARD COMPANIES WILL LEAST GIVE YOU ONE FREEBI
E." NEXT TIME, THOUGH, YOU MAY BE ON YOUR OW
N.COLOR IS VERY IMPORTANT TO MOST ANIMALS FOR IT HELPS THEM TO GET ALONG IN THE WORL
D.
第7题
【A5】
A.YOU CAN SCHEDULE AN AUTOMATIC PAYMENT.
B.TRYING TO GET OUT OF THE LATE FEE SOMETIMES.
C.YOU"D BETTER PLAN TO PAY AHEA
D.
D.CHANGE YOUR PAYMENT DUE DATE IN ORDER TO AVOID LATE FE
E.
E.YOU COULD ALSO SET FOR YOURSELF A REMINDER TO PAY IN TIM
E. SOME TIPS TO AVOID A CREDIT CARD LATE FEE IF YOU"RE EVEN A MINUTE LATE WITH A PAYMENT, YOUR CREDIT CARD COMPANY CAN HIT YOU HARD IN THE WALLET—AS MUCH AS $39 EACH TIME, ACCORDING TO A JULY 2008 SURVEY. HOWEVER, SOME SIMPLE STEPS CAN HELP KEEP YOUR EXPOSURE TO THESE EXTRA COSTS TO A MINIMU
M. 【A1】______ A FEW CARD ISSUERS, INCLUDING CHASE AND HSBC, CHARGE EXTRA FEES FOR ONLINE PAYMENTS THAT YOU NEED TO POST THE SAME DAY, SO EVEN IF YOU PAY ELECTRONICALLY, DO IT THREE TO FOUR DAYS AHEAD SO YOUR CREDIT CARD COMPANY WILL PROCESS THE PAYMENT BY THE DUE DAT
E.IF YOU"RE SNAIL-MAILING CHECKS, ALLOW EVEN MORE TIME—ABOUT 10 DAYS—TO ALLOW FOR MAIL SNAFUS.AND UNLESS YOU"RE DESPERATE, FORGET ABOUT PHONE PAYMENTS—A NUMBER OF BANKS CHARGE A FEE FOR THEM, NO MATTER WHEN YOU CALL. 【A2】______ A FEW CARD ISSUERS ALLOW YOU TO CHOOSE A DUE DATE TO COINCIDE WITH YOUR PAYDAY SCHEDULE, SO A CASH SHORTFALL WON"T MAKE YOU LAT
E.YOU CAN EVEN CHOOSE A DUE DATE THAT"S EASIER TO REMEMBER.YOUR BIRTHDAY"S ON FE
B.17？ MAKE YOUR CREDIT CARD PAYMENT DUE ON THE 17TH OF EACH MONT
H. 【A3】______ SOME BANKS OFFER AN AUTOPAY PROGRAM THAT LINKS YOUR CREDIT CARD TO A CHECKING OR SAVING ACCOUNT; YOU DECIDE WHETHER TO AUTOMATICALLY PAY THE NEW BALANCE, THE CURRENT MINIMUM PAYMENT OR A FIXED DOLLAR AMOUNT.IF YOU BANK ONLINE, YOU CAN ALSO ARRANGE A DO-IT-YOURSELF AUTOPAY.JUST ESTIMATE YOUR USUAL MONTHLY MINIMUM, SCHEDULE A MONTHLY PAYMENT DATE AND HAVE THE AMOUNT DEDUCTED FROM YOUR ACCOUNT AUTOMATICALLY.JUST MAKE SURE YOU HAVE ENOUGH IN CHECKING TO COVER IT OR THE OVERDRAFT FEES WILL EAT UP YOUR SAVING ON LATE FEES. 【A4】______ SOME CREDIT CARD COMPANIES, INCLUDING CHASE, WILL ALERT YOU OF UPCOMING DUE DATES BY E-MAIL OR VOICE MAIL.YOU CAN ALSO SCHEDULE A MONTHLY E-MAIL REMINDER THROUGH A WEB SITE, SUCH AS MEMOTO M
E.COM OR REMEMBERTHMIL
K.CO
M. 【A5】______ EVEN CONSCIENTIOUS CONSUMERS WILL PROBABLY GET HIT WITH A LATE FEE AT SOME POINT.HOWEVER, IF YOU HAVE A GOOD RECORD OF ON-TIME PAYMENTS, CALL AND POLITELY ASK A CUSTOMER SERVICE REPRESENTATIVE TO WAIVE THE CHARG
E.NO DICE？ ASK TO TALK TO A SUPERVISOR, OR TRY AGAIN ON A DIFFERENT DAY.YOU MIGHT EVEN THREATEN TO CLOSE YOUR ACCOUNTS WITH THE COMPANY—A TACTIC THAT WORKED FOR JEFF ROTH OF MOLALLA, ORE, AFTER HIS WIFE"S CHASE CREDIT CARD WAS HIT WITH A $ 39 LATE FEE WHEN THE FOURTH OF JULY DELAYED PROCESSING OF A PAYMENT."MY ADVICE TO THOSE WHO FEEL THEY HAVE UNJUSTLY BEEN ASSESSED LATE FEES IS TO BE ASSERTIVE ABOUT GETTING THE CHARGES REMOVE
D." SAYS ROTH, WHO POSTED ABOUT HIS PLIGHT AT GETRICHSLOW-LY.OR
G."IT WON"T ALWAYS WORK, BUT MOST CREDIT CARD COMPANIES WILL LEAST GIVE YOU ONE FREEBI
E." NEXT TIME, THOUGH, YOU MAY BE ON YOUR OW
N.COLOR IS VERY IMPORTANT TO MOST ANIMALS FOR IT HELPS THEM TO GET ALONG IN THE WORL
D.
