A
Jon Williams has never had a bank account before. But now he is married and has a new job. He and his wife, Sherry, want to start keeping their money in a bank.
When he went to the bank, he was surprised. He told Sherry, “When you open a checking account, it’s like shopping. You choose the services you need. The man at the bank asked us to read this chart and choose the plan that is right for us.”
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Types of Checking Accounts
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Plans
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Benefits
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Fees
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Special Checking
($ 25 to open)
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* open with only$ 25
* 5 free checks per month
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* $ 3.00 monthly service charge
* $ 0.50 for each check over 5
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Personal Checking
($ 100 to open)
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* unlimited free checks
* no fee to use bank’s automated teller machine ( ATM)
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* $ 8. 00 monthly service charge
* no fee when you keep a $750 daily balance or $ 1,500 in savings
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EARN Checking with Interest
( $200 to open)
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* unlimited free checks
* no fee to use bank’s ATM
* pay 2% interest
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* $ 8. 00 monthly service charge
* no fee when you keep a $1500 daily balance or $ 2,000 in savings
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Jon and Sherry estimated the number of checks they would write each month. Between home expenses and personal spending, they realized they might write as many as 25 checks in a month. They decided the Special Checking account would cost too much. It had a check charge and a service charge. The EARN checking account would require them to keep too much money in the bank. They chose the Personal Checking account because the $ 8.00 service charge would be cheaper than paying $ 0. 50 per check.
21. Joe chose the Personal Checking account with the following reasons EXCEPT that _____.
A. the account provided unlimited free checks
B. the service charge was cheaper than Special Checking
C. they could get interest every month
D. they needed to pay no fee to use ATM
22. You must keep at least ______ in the Personal Checking account to avoid paying the monthly service charge?
A. $ 750. 00. B. $ 1,500. C. $ 8. D. $ 2,250.
【答案】21. C 22. A
【解析】
本文是一篇应用文，介绍了三种支票账户的相关信息。
【21题详解】
细节理解题。根据表格第二栏中的信息“* unlimited free checks* no fee to use bank’s automated teller machine ( ATM)”及最后一段中的“They decided the Special Checking account would cost too much. It had a check charge and a service charge.”可知，Joe 选择Personal Checking account是因为该账户提供无限的免费支票、使用自动取款机不需要付费，另外，服务费比Special Checking便宜得多（Special Checking有支票费和服务费），而不是因为每个月都会得到利息，故C项正确。
【22题详解】
细节理解题。根据表格第二栏中的信息“* no fee when you keep a $750 daily balance”可知，要在账户中至少有750美元的余额才能避免每月支付服务费，故A项正确。
