How to handle banking and telecom in English abroad?

Sure, no problem. First, insert your card with the chip facing up. Then it'll ask for your PIN.

当然，没问题。首先，把卡插进去，芯片朝上。然后会让你输入密码。

You'll want to hit "Withdrawal" if you need cash. Then it might ask if it's from checking or savings — pick checking for a regular account.

如果要取现金就按"Withdrawal"。然后可能会问是从checking还是savings取——普通账户选checking。

Always choose US dollars — the local currency. If you pick yuan, the machine uses a terrible exchange rate. Your bank back home will convert it at a much better rate.

一定选美元——当地货币。如果选人民币，机器用的汇率很差。你国内的银行换算汇率好得多。

It's generally safer to use ATMs inside bank lobbies or well-lit areas. Avoid standalone machines in sketchy spots, and always cover the keypad when entering your PIN.

在银行大厅里或光线好的地方用ATM一般比较安全。避免在偏僻地方用独立ATM，输密码时记得遮挡键盘。