听写

All the major banks in Britain offer special facilities for students and will be only too happy to explain how to open an account. The most (1) type of account is a current account. You can pay in money received in any form and then draw it out when you need it by using your chequebook. Writing out cheques in their names can make (2) to other people. If you want to draw out cash for yourself, make the cheque payable in your own name or “To Cash”. A cheque crossed with two (3) is even safer as it must be paid into a bank account. Payment by crossed cheque has the added advantage that when the person to whom you have given the cheque presents it at the bank, it will eventually come back to your bank and provide (4). Most people now ask their bank to supply only ready-crossed cheques.

Most banks don’t make charges if you keep more than a (5) of money in your account. However, you shouldn’t overdraw on your account (i.e. withdraw more money than you have in) without the bank’s (6). If you borrow money from the bank there will be an interest charge. You will also have to pay a small charge to (7) foreign currency paid into your bank into sterling.

If you have more money than you need for month-to-month expenses, it is a good idea to open a (8) for some of it, where it can earn interest. This interest is taxable, but if your bank knows that you are not normally (9) in Britain then you do not pay tax on it. You can’t pay by cheque on a deposit account and to withdraw money you should give the bank seven days’ (10) or you’ll lose seven days’ interest.