B2English

Opening a Bank Account

Use these phrases when visiting a bank branch to open a new checking or savings account.

Key Phrases

Voice
Stating purpose · 2 ways to say it

I'm looking to open an account with you guys.

casual

Common natural phrasing when speaking to a teller or greeter.

I'd like to open a new bank account, please.

neutral
Specifying account type · 2 ways to say it

I just need a basic checking account for everyday use.

neutral

US English; 'checking account' is used for daily transactions.

I just need a basic current account for everyday use.

neutral

UK English; the equivalent of a US checking account.

Asking about account differences · 2 ways to say it

What's the main difference between these two options?

neutral

Could you walk me through the different account types you offer?

polite
Inquiring about fees · 2 ways to say it

Does this account come with any hidden fees?

casual

Are there any monthly maintenance fees I should be aware of?

polite
Asking about minimum balance · 2 ways to say it

Do I have to keep a certain amount in there to avoid charges?

casual

Is there a minimum balance requirement for this account?

neutral
Discussing required documents · 2 ways to say it

I've got my passport and a recent electricity bill for proof of address.

neutral

Will my rental agreement work as proof of residency?

neutral
Asking about debit cards

Do you issue the debit card here today, or is it mailed to me?

neutral
Online banking setup · 2 ways to say it

How do I go about getting set up on the mobile app?

casual

Could you show me how to register for online banking?

polite

Practice Dialogue

Customer
Hi, I'm looking to open a new bank account today.
Banker
Sure thing. Are you interested in a checking account, savings, or both?
Customer
Just a standard checking account for now, I think. Does it have a monthly fee?
Banker
Not if you set up direct deposit. Otherwise, it's twelve dollars a month.
Customer
Oh, okay. Direct deposit is fine. Do I need a minimum balance?
Banker
Nope, no minimum balance required. Did you bring your ID and proof of address?
Customer
Yeah, I've got my driver's license and a utility bill right here.
Banker
Perfect. Let me get that started for you. Will you be funding it today?
Customer
Yeah, can I just do a transfer from my phone?
Banker
Absolutely. Once we get the account number generated, you can send it right over.
Customer
Great. And will I get a debit card today?
Banker
We'll issue a temporary one, and your permanent card will arrive in the mail in about a week.

More Banking & Daily Admin (B2)

← All English survival phrases