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】
本文是一篇應用文，介紹了三種支票賬戶的相關信息。
【21題詳解】
細節(jié)理解題。根據(jù)表格第二欄中的信息“* 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 選擇Personal Checking account是因為該賬戶提供無限的免費支票、使用自動取款機不需要付費，另外，服務費比Special Checking便宜得多（Special Checking有支票費和服務費），而不是因為每個月都會得到利息，故C項正確。
【22題詳解】
細節(jié)理解題。根據(jù)表格第二欄中的信息“* no fee when you keep a $750 daily balance”可知，要在賬戶中至少有750美元的余額才能避免每月支付服務費，故A項正確。
