What English do you need for daily life abroad?

Welcome! Are you looking for a checking account, a savings account, or both?

欢迎！您要开支票账户、储蓄账户，还是两个都开？

I'll need two forms of ID — a government-issued photo ID and something with your Social Security number or ITIN. Also, a minimum opening deposit of $25.

需要两种证件——政府颁发的带照片证件和有社会安全号或ITIN的文件。还需要最低25美元的开户存款。

The checking account has no monthly fee if you set up direct deposit or maintain a $500 minimum balance. The savings account is free with any balance.

支票账户设置直接存款或保持500美元最低余额就免月费。储蓄账户任何余额都免费。

Yes, I'll issue you a temporary debit card today, and your permanent card will arrive by mail in seven to ten business days. You'll also get checks if you want them.

会的，今天给您一张临时借记卡，正式卡七到十个工作日内寄到。如果需要支票本也可以给您。

Absolutely. I'll help you download the app and set up your login right now. You can do transfers, pay bills, and deposit checks by taking a photo.

当然。我现在帮你下载App和设置登录。可以转账、缴费、拍照存支票。

We offer wire transfers. You'll need the recipient's full name, bank name, account number, and the SWIFT code. The fee is $45 for outgoing international wires.

我们提供电汇。需要收款人全名、银行名称、账号和SWIFT代码。国际汇出手续费45美元。

For smaller amounts, services like Wise or Remitly often have lower fees and better exchange rates. But for large sums, a bank wire is more secure and traceable.

小额的话，Wise或Remitly之类的服务通常手续费更低、汇率更好。但大额汇款，银行电汇更安全可追溯。

International wires usually take one to three business days, depending on the receiving country and bank. Some countries may take up to five days.

国际电汇通常一到三个工作日到，取决于收款国家和银行。有些国家可能需要五天。

No set limit, but amounts over $10,000 require us to file a Currency Transaction Report with the government. It's a standard anti-money-laundering regulation — nothing to worry about.

没有固定上限，但超过10,000美元我们需要向政府提交货币交易报告。这是标准的反洗钱法规——不用担心。