What English do you need for daily life abroad?

Of course! For the currency exchange, today's rate is 1 US dollar to 7.12 yuan. How much would you like to exchange? And for the account, are you a US resident or visiting?

好的！今天的汇率是1美元兑7.12人民币。你要换多少？开户的话，你是美国居民还是来访的？

That would be about $702 at today's rate. There's a $10 service fee for the exchange. For the bank account — with a work visa, you can open a checking account. I'll need your passport, visa, proof of address, and your Social Security number or ITIN.

按今天的汇率大约702美元。兑换有10美元手续费。开户的话——有工作签证可以开支票账户。我需要你的护照、签证、地址证明，以及社会安全号码或ITIN。

💡 在美国开银行账户通常需要两种ID（如护照+签证）。有些银行接受ITIN代替SSN。支票账户（checking）用于日常消费，储蓄账户（savings）用于存钱生息。

Yes, a signed lease agreement is accepted. A utility bill works too, but since you just moved in, the lease is perfect. Let me get the application forms for you. We also have a checking account with no monthly fees if you maintain a $500 minimum balance.

可以，签好的租房合同可以用。水电费账单也行，但既然你刚搬进来，租约就可以。我给你拿申请表。我们还有一种没有月费的支票账户，条件是保持最低500美元余额。

Absolutely. Online banking is set up automatically — you'll create a username and password. The debit card will be mailed to your address in 5 to 7 business days. In the meantime, I can give you a temporary card today.

当然。网上银行自动开通——你设置一个用户名和密码。借记卡会在5到7个工作日内寄到你的地址。在这期间，我今天可以给你一张临时卡。

Yes, we offer international wire transfers. The fee is $35 per transfer, and it takes 2 to 3 business days. You can do it online or at any branch. You'll need the recipient's bank name, SWIFT code, and account number.

可以，我们提供国际电汇。每次手续费35美元，需要2到3个工作日。你可以在网上或任何网点办理。你需要收款人的银行名称、SWIFT代码和账号。

Let me pull up your account. Can I see your ID? ... I see the issue — there's a security hold on your card because of an unusual transaction pattern. It looks like there were multiple transactions in different cities within a short time. Did you travel recently?

我调出你的账户。能看一下你的证件吗？……我看到问题了——你的卡因为异常交易模式被安全冻结了。看起来短时间内在不同城市有多笔交易。你最近旅行了吗？

I've lifted the hold — your card should work now. In the future, you can set a travel notice through our app or online banking before you travel. That way the system knows the transactions are legitimate and won't freeze your card.

我已经解除冻结了——你的卡现在应该能用了。以后出行前可以通过我们的App或网上银行设置旅行通知。这样系统就知道交易是正常的，不会冻结你的卡。

Congratulations on the new job! Endorse the back of the check — sign your name right on the back. The first $225 will be available immediately, and the rest within 2 business days. You can also deposit checks through our mobile app in the future — just take a photo of the front and back.

恭喜新工作！在支票背面签名背书。前225美元立即可用，其余2个工作日内到账。以后你也可以通过手机App存支票——拍正反面照片就行。

💡 在美国，收到纸质支票后需要在背面签名（endorse）才能存入或兑现。现在很多银行支持手机拍照存支票，非常方便。

You're welcome! If you have any issues, you can also call our 24/7 customer service line. The number is on the back of your card. Have a great day!

不客气！如果有任何问题，你也可以拨打我们的24小时客服电话。号码在卡的背面。祝你有美好的一天！