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Learn How to Speak English at the Bank | English Video with Subtitles - YouTube
Channel: Learn English with Bob the Canadian
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Hi Bob the Canadian here.
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A little while ago one of my viewers Nacera
asked if I could make a video about using
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English or speaking English when you go to
the bank.
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So in this video I鈥檒l help you learn some
common English words and phrases that you
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would use when you go to the bank.
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Hi, Bob the Canadian here, if this is your
first time watching one of my videos don鈥檛
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forget to click the subscribe button, and
the bell icon below, and for sure if this
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video helps you give me a thumbs up somewhere
along the way.
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So we鈥檙e going to talk about banks today.
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We鈥檙e going to talk about English words
and phrases that you can use when you go to
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the bank.
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So let鈥檚 take a virtual walk through of
the bank.
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I鈥檒l try to put pictures up here as I talk,
but I鈥檓 going to go through a lot of the
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common things that you would see and the common
words you would use if you went to the bank.
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The very first thing that you will see when
you go to a bank nowadays is a bank machine.
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And a bank machine is slowly replacing the
people that work at banks who are called bank
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tellers.
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A bank machine is a simple device usually
located at the entrance of the bank where
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you can deposit money into a bank account,
you can put money into a bank account.
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And where you can withdraw money from your
bank account.
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Where you can withdraw cash from your bank
account.
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A long time ago, when I was just starting
to work, I deposited my very first paycheque
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using a bank machine.
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That was a long time ago.
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Since then bank machines have become a lot
more popular and it鈥檚 kind of the main way
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that people do their banking now.
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The second way that people do their banking
a lot nowadays is online.
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They do online banking using a computer.
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Or they do mobile banking or mobile banking
using their smartphone.
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But those are the machines and machines just
aren鈥檛 that interesting so let鈥檚 talk
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about more of the things that you would see
in a bank, and more of the people that you
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would see inside of a bank.
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Once you walk past the bank machines, the
people that you see working behind the counter,
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the people who you see first at a bank are
called bank tellers.
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And bank tellers, their basic job is to help
you deposit money into the bank, or withdraw
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money from the bank, and do some of the more
advanced financial transactions that you could
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do at a bank.
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Perhaps you want to send money to someone
overseas and a bank teller would help you
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do that.
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When you deposit money in a bank a lot of
times you are depositing a cheque, or a paycheque.
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Now just pay attention the spelling is a little
different.
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In U.S. English a cheque is spelled this way,
but in Canadian English a cheque is spelled
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this way.
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And a cheque is an official small piece of
paper that your place or work or your boss
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would give you that says that they are paying
a certain amount of money to you.
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And you would go to a bank and you would deposit
the cheque and then that amount of money would
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show up in your bank account.
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So again, cheque, paycheque.
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A check is something that you get from almost
anyone.
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A paycheque is a specific kind of cheque that
you would get from your boss or from your
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place of employment.
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So the teller will help you with that as I
mentioned before you can also put your cheque
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or paycheque into the bank machine.
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You can deposit it into the bank machine.
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The other person you might see at a bank is
the bank manager.
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This is the person who is in charge of the
bank.
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So let鈥檚 say you needed a loan.
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You needed to borrow money from the bank.
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You don鈥檛 have enough money in your bank
account but you would like to buy a car or
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you would like to buy a home or a house.
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You would then talk to the bank manager.
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The bank manager is kind of the head person
at the bank.
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They are in charge of approving and disapproving
loans.
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If you do need to meet with the bank manager
though you usually need to make an appointment.
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If you need to speak with a teller you can
usually just walk into a bank and walk up
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to the counter and talk to a teller, but if
you need to talk to the bank manager it鈥檚
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always a good idea to book an appointment.
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鈥楥ause bank managers for some reason are
really really busy.
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If you get a loan to buy a car, we call it
a car loan.
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If you get a loan to buy a house, we call
it a mortgage.
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Car loans generally you pay back over three
to five years.
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And the bank will charge you interest, so
they will charge you a certain amount of money
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to be able to borrow the money.
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A mortgage which is a loan that you take out
to buy a house is usually twenty, or twenty-five,
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or thirty years in length because a house
is a lot more expensive than a car and takes
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a lot longer to pay back.
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Couple of other things that you would need
to know in order to do banking in English.
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The card that you use in the bank machine
is called a bank card.
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So when you open an account at a bank they
will give you a bank card, and you can use
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that bank card in the bank machine.
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The other kind of card you might get from
the bank is called a credit card.
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Now I need to warn you, credit cards although
they鈥檙e really really handy, have an extremely
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high interest rate so I always caution people
about whether they should be using a credit
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card to make purchases because basically if
you use a credit card to buy something you鈥檙e
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going to be paying close to nineteen or twenty
percent interest, which is a really really
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high interest rate.
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There are usually two types of accounts at
a bank, one is called a chequing account,
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and that鈥檚 usually the account that people
use the most.
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There are also accounts called savings accounts,
and savings accounts are usually places where
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you put money and you try not to withdraw
the money.
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So you deposit money into the savings account,
but the whole idea of a savings account is
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the you鈥檙e trying to save up money.
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You鈥檙e trying to put money away for a future
time.
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So you have a chequing account, which most
people use for their day to day banking, their
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regular banking, and you have a savings account
where you鈥檙e trying to save stuff up.
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Generally if you鈥檙e visiting the bank and
it鈥檚 a large bank, the building that you
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visit is usually called a branch.
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My local bank branch is in the town close
to me.
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Well that was a few words and phrases that
could help you if you needed to open a bank
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account in English, or if you just need to
go to a bank to do some of your day to day
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banking.
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Bob the Canadian here.
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Learn English with Bob the Canadian.
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I really hope this video was helpful for you.
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Please don鈥檛 forget to subscribe and give
me a thumbs up if you enjoyed this video and
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have a great day.
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It鈥檚 Monday April 16th and it, it鈥檚 still
winter here.
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I don鈥檛 know if you can see the flakes of
snow coming down but either way it was fun
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to be outside and make this video for you.
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I鈥檒l try to get it up by Wednesday morning.
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Have a great day!
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