At the Bank – Opening a New Account
Welcome to Hello English! If you’re moving to the US or just need a local bank account, knowing how to open one in English is essential. This lesson gives you a realistic conversation and key vocabulary—all using everyday US English phrasing.
Watch this short, realistic conversation between a customer and a bank representative. Perfect for listening practice!
At the Bank – Opening a New Account Conversation
Characters:
• Ravi – the customer
• Jessica – the bank representative
Ravi: Hi! I’d like to open a new account.
Jessica: Great! Do you have your ID and proof of address?
Ravi: Yes, I have my passport and a utility bill.
Jessica: Perfect. What type of account do you need?
Ravi: Just a basic checking account.
Jessica: Do you want a debit card with it?
Ravi: Yes, please.
Jessica: Any direct deposits or automatic payments planned?
Ravi: Yes, my paycheck will be direct deposited.
Jessica: Got it. Is $25 okay for the opening deposit?
Ravi: Yes, that works.
Jessica: Great! Please sign here.
Ravi: Done.
Jessica: Welcome to the bank!
Ravi: Thank you!
💡 Tip: This bank conversation is ideal for audio or video practice—it’s short, natural, and easy to follow. Each line is just 3 to 6 words, making it perfect for building fluency and confidence in real-life situations like opening a new account.
Essential Bank Vocabulary
Learn these key terms to open an account with confidence:
- Open an account – to create a new bank account
- Checking account – for everyday spending (US term)
- Savings account – for saving money
- ID – identification (passport, driver’s license)
- Proof of address – bill or lease with your name and address
- Debit card – card linked to your checking account
- Direct deposit – automatic paycheck deposit
- Opening deposit – first money you put in
Other Useful Phrases
- “Do you have your ID and proof of address?”
- “I’d like to open a checking account.”
- “Is there a monthly fee?”
- “Can I set up online banking?”
Practice Tip
Practice saying “I’d like to open a checking account” and “Do you have your ID?” out loud. These are the two most important lines!
Why This Matters
Whether you’re:
• New to the US and setting up your first bank account
• An international student opening a student account
• Preparing for real-life financial independence
…this conversation gives you the language to start strong.
Now you’re ready to open a bank account in English—confidently and correctly! Bookmark this guide, or try our interactive quiz to test your banking vocabulary.
Welcome to your new financial life! 💳
