How to handle banking and telecom in English abroad?

Welcome! We'd be happy to help. For non-residents, we typically need your passport, a secondary form of ID, proof of address — like a utility bill or lease agreement — and an initial deposit. The minimum to open an account is $25.

欢迎！我们很乐意帮忙。对于非居民，通常需要护照、第二种身份证明、地址证明——如水电费账单或租赁合同——以及初始存款。开户最低存款是25美元。

💡 在美国开户，没有SSN（社会安全号）也可以用ITIN（个人纳税识别号）或护照开户。有些银行对国际学生或新移民有特殊政策。

For everyday banking, I'd recommend our basic checking account — there's no monthly fee if you maintain a minimum balance of $500 or set up direct deposit. You'll get a debit card, online banking, and mobile check deposit. Would you also like to open a savings account? It earns 3.5% APY.

日常使用的话，推荐我们的基础支票账户——如果保持500美元最低余额或设置工资直存，免月费。您会得到一张借记卡、网上银行和手机存支票功能。您还想开储蓄账户吗？年利率3.5%。

Yes, your first box of checks is free. They'll be mailed to your address in about 7 to 10 days. In the meantime, you can use temporary checks I'll give you today. Now, let me get your information entered into the system. Do you have your Social Security Number or an ITIN?

是的，第一盒支票免费。大约7到10天寄到你的地址。在这期间，可以用我今天给你的临时支票。现在让我把你的信息录入系统。你有社会安全号或ITIN吗？

Perfect. I've set up both accounts. Your checking account number is on this card, and your temporary debit card will work immediately. The permanent one with your name on it will arrive by mail in 5 to 7 business days. You'll also need to set up your online banking — let me walk you through that right now.

好了。两个账户都开好了。支票账户号码在这张卡上，临时借记卡可以立即使用。带你名字的正式卡会在5到7个工作日内寄到。你还需要设置网上银行——我现在带你操作。

Yes, you can do international wire transfers from your checking account. The fee is $30 per transfer for account holders — cheaper than the walk-in rate. You can initiate transfers online or at the branch. We also have Zelle for free domestic transfers.

可以的，您可以从支票账户办理国际汇款。账户持有人每笔手续费30美元——比临柜价格便宜。可以在网上或柜台发起转账。我们还有Zelle可以免费国内转账。

My pleasure! Here's my business card — I'm your dedicated banker. If you have any questions about your accounts, don't hesitate to reach out. Welcome to the bank!

不客气！这是我的名片——我是你的专属客户经理。有任何关于账户的问题，随时联系我。欢迎开户！

Let me pull up your account. Can I see your ID, please? ...I see the issue. There's a security hold on your account due to unusual activity. It looks like there was a large withdrawal attempt from a different city — our fraud detection system flagged it.

我调出您的账户看看。能出示一下证件吗？……我找到原因了。您的账户因为异常活动被安全冻结了。看起来有人在另一个城市尝试大额取款——被我们的反欺诈系统标记了。

It's possible your card information was compromised. The good news is, our system blocked the transaction before any money was taken. I'll need to cancel your current card and issue a new one. I can also file a fraud investigation. Have you noticed any other suspicious charges on your account?

您的卡信息可能被泄露了。好消息是，我们的系统在钱被取走前就拦截了交易。我需要注销您现在的卡并补发新卡。我也可以提交一个欺诈调查。您有注意到账户上有其他可疑的消费吗？

I'll flag that charge as unauthorized and start a dispute. You should get a provisional credit of $300 within 48 hours while we investigate. The investigation typically takes 10 business days. Your new card will arrive in 5 to 7 business days — in the meantime, I can give you a temporary card today.

我会把那笔消费标记为未授权并发起争议。调查期间，48小时内您应该会收到300美元的临时退款。调查通常需要10个工作日。新卡5到7个工作日到——在此期间，今天可以给您一张临时卡。

Absolutely — change your password and enable two-factor authentication if you haven't already. Also check any other accounts where you used the same password. Here's a summary of what we've done today — keep this for your records.

一定要改——改密码并开启双重验证（如果还没开的话）。也检查一下其他用了相同密码的账户。这是今天处理的摘要——请保留好。

Yes, the default daily limit is $2,500 for purchases and $500 for ATM withdrawals. If you need to make a larger purchase, you can call us to temporarily raise the limit. You can also adjust it yourself through the mobile app.

有的，默认每日消费限额2500美元，ATM取款限额500美元。如果需要大额消费，可以打电话给我们临时提高限额。你也可以通过手机App自己调整。