How to handle banking and telecom in English abroad?

We have three options. Our basic savings earns 0.5% APY with no minimum balance. Our high-yield savings offers 4.5% APY but requires a $1,000 minimum. And our money market account gives 4.8% APY with a $5,000 minimum and comes with check-writing privileges.

我们有三种选择。基础储蓄账户年利率0.5%，没有最低余额要求。高收益储蓄账户年利率4.5%，但要求最低余额1,000美元。还有货币市场账户，年利率4.8%，最低余额5,000美元，可以开支票。

You get six free withdrawals per month. After that, there's a $10 fee per transaction. Also, if your balance drops below $1,000, the rate falls to our basic rate of 0.5% until you bring it back up.

每月有6次免费取款。之后每笔收10美元手续费。另外，如果余额低于1,000美元，利率会降到基础的0.5%，直到余额恢复。

I'll need a valid photo ID — passport works great — and your Social Security number or ITIN. If you don't have an SSN yet, we can use your passport and visa. I'll also need a US mailing address. The whole process takes about fifteen minutes.

我需要一个有效的带照片的证件——护照就可以——还有你的社会安全号码或ITIN。如果你还没有SSN，可以用护照和签证。我还需要一个美国邮寄地址。整个过程大约十五分钟。

Great timing — our CD rates are very competitive right now. A 6-month CD is at 5.0% APY, 12-month at 5.2%, and 18-month at 4.9%. The minimum for all CDs is $500. Keep in mind, if you withdraw early, there's a penalty — typically 90 days of interest for CDs under a year, and 180 days for longer terms.

时机很好——我们的CD利率现在很有竞争力。6个月CD年利率5.0%，12个月5.2%，18个月4.9%。所有CD最低500美元。注意提前取款有罚金——一年以内的CD通常罚90天利息，更长期限的罚180天。

Yes, it auto-renews at the prevailing rate unless you tell us otherwise. You'll get a maturity notice about two weeks before, and then you have a 10-day grace period to withdraw or change the term without penalty. I'd also recommend considering a CD ladder — splitting your money across different terms so you have regular access to portions of your funds.

是的，到期后会按当时的利率自动续期，除非你另有指示。到期前两周左右会收到通知，然后有10天宽限期可以免罚金取款或更改期限。我还建议考虑CD阶梯策略——把钱分到不同期限，这样定期都有一部分资金到期可用。

Absolutely. Here's what I'd suggest: split the $10,000 into four equal portions of $2,500. Put $2,500 into a 6-month, $2,500 into a 12-month, $2,500 into an 18-month, and $2,500 into a 24-month CD. Every six months, one CD matures and you can either use the money or roll it into a new 24-month CD at the top of the ladder. That way, you're always within six months of having some cash available.

当然可以。我建议这样分：把10,000美元分成四等份，每份2,500。分别存6个月、12个月、18个月和24个月的CD。每六个月就有一个CD到期，你可以用钱或者续存到新的24个月CD。这样你最多等六个月就有一笔钱可用。