#Person1#: Good morning. How can I help you?
#Person2#: I'd like to open a new account.
#Person1#: Have you filled out an application form?
#Person2#: Yes. And I've brought some documents along with me, too. Do you need to see my passport?
#Person1#: 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?
#Person2#: Yes. Does the checking account come with a debit card?
#Person1#: 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.
#Person2#: That's very convenient.
#Person1#: It is. Our customers really like it. Do you have any other questions about your new accounts?
#Person2#: Yes. What's the maximum amount that you are allowed to have in an overdraft?
#Person1#: The maximum is $ 1000.
#Person2#: Is there a penalty for having an overdraft?
#Person1#: 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.
#Person2#: That's true. Is everything alright with my documents?
#Person1#: 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.
#Person2#: Thank you very much.
#Person1#: You're welcome.
open bank account