deposit account

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1. English Presentation 2. L Th Thu Hin Trng Thy i Nhi Nguyn Th Cm Nhung Nguyn Hin Trang Thi Tuyt Ngn 3. OUTLINE Warm upA VocabularyB ReadingC ExerciseD ConclusionE ReferenceF 4. A. WARM UP Translate English to Vietnamese. (Just for fun) 5. For example : Sugar sugar one hero man . ng ng mt ng anh hng. 6. 1) Know die now. Bit cht lin 0001020304050607 7. 2) I love toleit you sit down Ti yu cu bn ngi xung 0001020304050607 8. 3) Home face road, dad does big. Nh mt ph, b lm to. 0001020304050607 9. 4) Love together much, bite together painful. Yu nhau lm cn nhau au. 0001020304050607 10. 5) Love is die inside intestine a little Yu l cht trong lng mt t 0001020304050607 11. B. VOCABULARY New words: -Deposit account (n): ti khon tin gi -To fill in a form (v): in vo n -A pass book (n): s tit kim -To withdraw (v): rt ra, rt khi -A record (n): h s, bin bn ghi li -Interest (n): li sut -To fix (v): chnh sa, iu chnh -Prior notice (n): thng bo trc -Cheque book (n) : s sc -Maximum (n): ti a 12. C. Reading: Deposit account (page8) Read the reading in page 8, English for Banking I and translate it to Vietnamese. 13. A deposit account is another popular kind of account. It has advantages over a current account. First of all, it is easier to open than a current account. There is no need to see a manager. Ti khon tin gi l 1 loi ti khon ph bin khc . N c nhiu li ch hn ti khon vng lai. u tin, ti khon tin gi d dng m hn ti khon vng lai. Ta khng cn phi gp ngi qun l. Deposit acccount 14. A customer only has to fill in a form and then deposit the minimum amount of money required by the bank. The customer is then given a pass book which he must bring to the bank every time he wishes to withdraw to deposit money. The pass book is the customers record of the account. Mt khch hng ch cn in vo n v sau gi mt lng tin ti thiu m Ngn hng yu cu. Khch hng c a mt quyn s tit kim m anh ta phi mang n ngn hng vo mi ln anh y mun rt tin hoc gi tin. S tit kim l mt quyn s ghi li hot ng ti khon ca khch hng. 15. Secondly, a deposit account earns interest for the customer. The bank invest the money that the customer pays in and, in return, the bank pays the customer interest. The rate of interest in the UK is not fixed but it is usually between 5-10%. iu th hai, ti khon tin gi c th kim li sut cho khch hng. Ngn hng u t ngun tin m khch hng gi vo v ngc li Ngn hng tr li cho khch hng. Li sut Anh thng khng x dch nhng n thng dao ng t 5-10%. 16. However a deposit account has certain disadvantages, too. In the UK, at the moment the maximum a customer can withdraw in one day 20 and a prior notice ( usually a week notice) is required if the customer wants to withdraw money from this account. Another disadvantage is that the customer receives no cheque book and therefore he cant pay bills so easily. Tuy nhin, ti khon tin gi vn c nhng bt li. Hin nay ti Anh lng tin ti a m khch hng c th rt trong mt ngy 20 v nu anh y mun rt tin t ti khon ny th phi yu cu thng bo trc (thng l trc mt tun). Bt li khc l khch hng khng nhn c cun s sc v v vy anh y khng th tr nhng ha n mt cch d dng. 17. A saving account a current account Or any types of bank account Allow money to be deposited and withdrawn by the account holder. 18. DEPOSIT SLIP 19. WITHDRAWAL SLIP 20. Type of deposit account Demand deposit Time deposit (term deposit) 21. How to open the deposit account in the bank? Step1: Fill in a form Step 2: Deposit the minimum amount of money required by the bank. 22. Everybody can open deposit account 23. How does a deposit account work? 24. Compare current account and deposit account Current account Deposit account Interest Reference Overdraft Instruments given Withdrawal Deposit(s) Advantages Disadvantages Purpose of use 25. Current account Deposit account Interest No Yes Reference Yes No Overdraft Yes No Instruments given Cheque book Passbook Withdrawal -At any time -By a cheque book -Limited (20$ a day) -By a passbook -Send a withdrawal slip Deposit(s) -Any time deposit -Normally time deposit Advantages Safety & convenience Convenience for investment Disadvantages No interest No chequebook ->difficult to pay bills Purpose of use For pay their daily bills easily and to withdraw For saving & investment 26. D. EXERCISES 27. II. True or False statement: a)Children under 18 can not open a deposit account. b)The convenience is of a current account while the investment is of a deposit account. c)To withdraw money from your deposit account, you have to send a prior notice to your bank. d)To deposit money in your deposit account, you must bring your cheque book. e)It is possible to withdraw more than 20 a day from a deposit account. 28. a.False b.True c.True d.False e.False 29. III. Match the definitions 1-5 with the suitable words/phrases a-e 1. A book received and used by a deposit account holder when he wants to deposit and withdraw money 2. A kind of account which pays no interest and from which customers can withdraw money at any time. 3. A slip used to deposit money in an account. 4. A kind of account which pays interest, but from which a notice usually has to be requested to withdraw money. 5. To stop an account. a) Deposit account b) To close an account c) Deposit slip d) Current account e) A pass book 1e) 2d) 3c) 4a) 5b) 30. E. Conclusion 1. What is a deposit account? Type of deposit account? 2. Who can open a deposit account? 3. How can open a deposit account? 4. How does a deposit account work? 5. Compare current account and deposit account (Advantages & disadvantages) 31. F.References 1. English for Banking I 2. 145 Tests Banking &Finance 3. 65 READING TEXTS in Banking & Finance 4. http://en.wikipedia.org/wiki/Deposit_acco unt 5. https://www.depositaccounts.com/

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