Types of Bank Accounts
Luiz: Where are you going?
Iona: I’m going to the bank to open an account.
Luiz: What kind of account: a Savings account, a Checking account, or a CD?
Iona: Um, I’m not sure, but I’m sure someone at the bank can help me decide.
Luiz: You’ll also need to decide if you want an Interest-earning account or not, and don’t forget to ask for Free checking. Pick a bank that doesn’t have monthly Service charges.
Iona: Okay, thanks…
Luiz: And make sure you know if there’s a Minimum balance required, because if the account Dips below that minimum, you’ll be charged a fee.
Iona: Yes, right, I’ll be sure to do that. Well, I’d better get going…
Luiz: You probably want to open a checking and a savings account, so make sure you Link those accounts. That should give you Overdraft protection, In case you ever Bounce a check.
Iona: Okay, I’ll definitely keep all of that in mind. I’d better go. Samil is waiting for me.
Luiz: Are you thinking of opening a Joint account with your boyfriend?
Iona: We’re considering it…
Luiz: Pool your money and open a CD. That way, you’ll Lock in a good Interest rate and neither of you can touch the money until the CD Matures.
Iona: We’ll think about it. Thanks.
Luiz: Oh, and…
Iona: Would you like to come with us to the bank and help us open our accounts?
Luiz: Really? But I don’t want To interfere.
Iona: You, interfere? I can’t imagine you ever trying to interfere.
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