Cashier: Certainly, sir.
Customer: It is for … on my account with your … .
Cashier: Thank you (takes the cheque). Have you got any … ?
Customer: Yes. Here you are (gives the driving license).
Cashier: One moment, please, sir. And I’ll just telephone Liverpool.
Customer: How long … ? I’m in a bit of a hurry.
Cashier: Oh, only … . … That’s all right, sir. Could you … , please. How … , sir?
Customer: Oh, … , please. …
Cashier: You are welcome.
Drill 4.Ask the questions for the following:
…? I’d like to cash a cheque.
…? I have an account with the Liverpool branch.
…? I have got a driving license.
…? It will take you two or three minutes.
…? Yes, I’m in a bit of a hurry.
…? You must sign the cheque on the back.
…? I’d like fifty pound notes.
Drill 5. Translate into English:
Обналичивание чека.
Кассир: Добрый день.
Клиент: Добрый день, сэр. Мне бы хотелось получить деньги по чеку. Чек на пятьсот фунтов с
моего счета в Ливерпульском филиале банка.
Кассир: У Вас есть удостоверение личности?
Клиент: Да. Вот, пожалуйста. (дает водительские права).
Кассир: Один момент, сэр. Я только позвоню в Ливерпуль.
Клиент: Сколько времени уйдет на это? Я спешу.
Кассир: О, только две или три минуты. … Все в порядке, сэр. Вы не могли бы расписаться на
обороте, пожалуйста? … Спасибо. Какими купюрами Вы бы хотели их получить, сэр?
Клиент: О, купюрами по пятьдесят фунтов, пожалуйста.… Спасибо.
Drill 6. Act out a similar dialogue, when the customer wants to cash a cheque for ten hundred pounds on his account with the Glasgow branch of the bank.
СHEQUES
A cheque is an instruction of the drawer, the person who draws the cheque, in writing to the bank where the drawer maintains a current account, to pay on demand a specified sum. The drawer completes the cheque of the cheque book issued by the bank by inserting the name of the payee, the amount the payee is to be paid, and then dating and signing it.
Cheques are an increasingly popular method of payment, but they are not acceptable for very small sums of money. They are widely used for different transactions, especially when the drawer and the payee have a long standing relationship or when the payee can easily make inquiries at the bank.
For instance, cheques are often issued by a seller selling a secondhand car to the car dealer. The dealer may have some doubts as to whether the seller is the true owner. The dealer can place a stop on the seller’s cheque for a day or two while he makes inquiries at the bank.
Cheques may be “open”, in which case they may be used to draw cash, or “crossed”, with two parallel lines. Crossed cheques cannot be presented for cash but must be paid into the account of the payee.
Cheques may be “bearer” cheques or “order” cheques. A “bearer” cheque, provided it is not “crossed”, can be cashed over the counter of the issuing bank or its branch without formality to the person presenting it. “Order” cheques are payable to the payee, specified in the cheque. The words “or Order” printed in the cheque mean that the payee must endorse it if the payee is to receive cash for it or if he intends to transfer it to someone else to pay his debt.
Cheques are handled by commercial, or clearing banks. They can be accepted for payment by the issuing bank or returned unpaid. The returned cheques may be marked “signature differs”, “order not to pay”, “no account”, “no funds”, “out of date” or “words and figures differ”, etc.
The accepted cheques are sent to the clearing centre. In the United Kingdom the London Clearing House is the centre. It brings together all the cheques, crosscancels them and determines at the end of each day any net indebtedness between the commercial banks. This net indebtedness is then settled by transferring balances held by the commercial banks at the Bank of England.
VOCABULARY
to draw drawer | выписывать; получать, брать (деньги) трассант; лицо, которое выписывает чек |
account current account | счет текущий счет |
to insert | выставлять, вносить |
payee | ремитент; лицо, получающее платеж |
transaction | сделка, операция |
seller | продавец |
dealer | торговец, дилер |
owner true owner |
законный владелец |
crossed cheque | кроссированный чек, чек, который в результате добав-ления двух параллельных полос имеет ограничения по оплате |
bearer bearer cheque order cheque | предъявитель чек на предъявителя ордерный чек, чек, выписанный в пользу определенно-го лица или его приказу |
to endorse | индоссировать, делать передаточную надпись |
to transfer | переводить (деньги) |
debt | долг |
clearing clearing bank clearing house |
расчетная палата |
issuing bank | банк-эмитент |
signature signature differs | подпись подпись отличается (от образца) |
order not to pay | приказ не оплачивать |
no funds | средства отсутствуют |
out of date | просроченный |
words and figures differ | слова и цифры расходятся |
indebtedness | задолженность |
to settle | улаживать, урегулировать |
balance | сальдо, остаток |
Drill 7. Answer the following questions.
1. What is a cheque?
2. How is a cheque to be completed?
3. In what cases are cheques used?
4. Bearer cheques and order cheques.
5. Open and crossed cheques.
6. How are cheques handled by banks?
Drill 8. Give Russian equivalents:
· To draw a cheque-
· To maintain a current account-
· To pay on demand a certain sum-
· To complete the cheque-
· Cheque book-
· To insert the name of the payee-
· The amount the payee is to be paid-
· Dating and signing-
· Method of payment-
· Different transactions-
· To make an inquiry at the bank-
· To have some doubts-
· To place a stop on the cheque-
· To draw cash-
· To pay into one's account-
· Cheques are payable to-
· To endorse the cheque-
· To receive cash for a cheque-
· To transfer a cheque to someone else-
· To accept for payment-
Drill 9. Agree or disagree with the following statements:
1. The payee is the person who draws the cheque.
2. The drawer completes the cheque of the cheque book issued by the bank by inserting the name of the payee, then dating and signing it.
3. Cheques are acceptable only for small sums of money.
4. If the dealer has some doubts he can't place a stop on the seller's cheque.
5. "Open" cheques must be paid into the account of the payee.
6. "Crossed" cheques can be presented only for cash.
7. A "bearer" cheque, provided it is not "crossed", is payable to the person, specified in the cheque.
8. An "order" cheque can be cashed without formality to the person presenting it.
9. Cheques are handled only by clearing banks.
10. They can be accepted for payment by the issuing bank and can't be returned unpaid.
Drill plete as in the text:
1. A cheque is … , the person who … .
2. The drawer completes the cheque of the cheque book issued by the bank by … .
3. Cheques are an … method of payment.
4. They are not acceptable for … of money.
5. They are widely used … .
6. The dealer can … a stop on … for a day or two while … at the bank.
7. Cheques may be “…”, in which case they may be used to draw cash.
8. " … " cannot be presented for cash but must be paid into the account of the payee.
9. A “bearer” cheque, provided it is not “crossed”, can be cashed over the
counter of the issuing bank or its branch without… .
10. “Order” cheques are payable to the payee, … .
11. The words “or Order” printed in the cheque mean that the payee must … .
12. Cheques are handled by … banks.
13. They can be … by the issuing bank or returned … .
14. The returned cheques may be marked … , etc.
15. The accepted cheques are sent … , which … between the commercial banks.
Drill 11. Give Russian equivalets:
· To draw, drawer, drawee-
· To pay, payer, payee-
· To employ, employer, employee-
· To sell, seller-
· To buy, buyer-
· To own, owner-
· To bear, bearer-
· To issue, issue-
Drill 12. Give English equivalents:
· Открытый чек-
· Кроссированный чек-
· Чек на предъявителя-
· Ордерный чек-
· Выписать чек-
· Заполнить чек-
· Индоссировать чек-
· Трассант-
· Ремитент-
· Банк-эмитент-
· Остаток на счете-
Drill 13. Ask your own questions for the following:
… ? Certainly, you can cash a cheque.
… ? Here is my driving licence.
… ? My account is with your Liverpool branch.
… ? Only two or three minutes.
… ? You must sign it on the back.
… ? Oh, fifty pound notes, please.
… ? You should insert your name, amount, date and your signature.
… ? No, they are not acceptable for very small sums of money.
… ? In case with "open" cheques you can draw cash.
… ? In case with "crossed" cheques you can pay into the account of the payee.
… ? In case with "bearer" cheques you can cash it without formality to the person presenting it.
… ? "Order" cheques are payable to the payee, specified in the cheque.
… ? Yes, they can be returned unpaid.
… ? The returned cheques can be marked "signature differs", "order not to pay", "no account", "no
funds", "out of date", "words and figures differ".
Drill 14. Sum up what the text said about
- traveller's cheques;
- ordinary cheques and their types : "open", "crossed", "bearer" and "order cheques.
PRACTISE
Cкажите, что Вы :
хотите получить деньги по чеку | |
имеете счет в Ливерпульском отделении банка | |
в качестве удостоверения личности име-ете водительские права | |
торопитесь и Вас интересует сколько времени уйдет на процедуру обналичивания чека | |
подпишите чек на обороте перед тем, как он будет обналичен | |
надеетесь, что с Вашим счетом в отде-лении банка все в порядке | |
хотите получить деньги пятидесяти-долларовыми купюрами | |
можете заполнить чек чековой книжки, внеся имя получателя, сумму, дату и подпись | |
не можете получить наличных денег в случае с кроссированными чеками | |
можете получить наличные только в случае с открытыми чеками | |
можете получить наличные без соблю-дения каких-либо формальностей по от-ношению к лицу, предъявившему чек, в случае с чеками на предъявителя | |
знаете, что в случае с ордерными чеками только лицо, указанное в чеке, может получить наличные по нему | |
знаете, что чеки могут быть приняты к оплате банком-эмитентом или возвращены неоплаченными | |
возвращенные чеки могут быть помечены "подпись отличается от образца", "приказ не оплачивать", "счет отсутствует" и др. |
ACCOUNTS
Paying and withdrawing money.
a) Paying into an account.
Cashier: Good afternoon, madam.
Client: I’d like to put some money into my account, please.
Cashier: Certainly, madam. Do you know the number of your account?
Client: Yes. Here’s my cheque book.
Cashier: Thank you. Wilkinson, Susan… 56.227.How much do you want to deposit?
Client: Fifteen hundred francs.
Cashier: Fifteen hundred francs. Your receipt, madam.
Client: Thank you. Good-bye.
b) Paying into someone else’s account.
Cashier: Good afternoon, sir.
Client: I’d like to pay this crossed cheque in pounds sterling into my wife’s account, please.
Cashier: Yes, sir. Do you know the number of her account?
Client: Yes, it’s 226.01. I’ve got power of attorney. Here it is.
Cashier: Thank you. Can you give me your signature, please, sir?
Client: Yes.
Cashier: Thank you. Have your got your passport, please? Thank you. The amount will be credited in
about two weeks, sir.
Client: All right.
Cashier: Your receipt, sir.
Client: Thank you. Good - bye.
с) Withdrawing from an account.
Client: Good morning.
Cashier: Good morning, sir.
Client: I’d like to take out some money, please .
Cashier: Certainly, sir. Do you know the number of your account?
Client: No. I’m not sure of it.
Cashier: What’s your name?
Client: Walter Lyons.
Cashier: Is it a checking account?
Client: Well, I’ve got a checking account and a savings account.
Cashier: And which account would you like to draw on?
Client: I’d like two thousand francs from my checking account.
Cashier: I’ll just check the number, sir. … It’s 32.460, sir. Could you sign here, please … and here.
Thank you. One moment, please. … Thank you.
Client: Two bills of a thousand, please. … Thank you.
Cashier: You are welcome.
VOCABULARY
to withdraw | снимать со счета (деньги) |
depositdeposit account | вклад, депозит |
crossed cheque | кроссированный (перечеркнутый) чек |
power of attorney | доверенность |
to credit | кредитовать (счет) |
checking account | амер. чековый счет |
savingssavings account | сбережениясберегательный счет |
to draw | брать (деньги) |
bill | (здесь) банкнота |
SUGGESTED ACTIVITIES
Drill 1. Read the dialogues and answer the questions:
a)
1. Why did the lady come to the bank?
2. Did she know the number of her account?
3. What document did she present?
4. How much did she want to put into her account?
5. What paper did the cashier issue the lady?
b)
1. Into whose account did the gentleman put some money?
2. Did he know the number of his wife's account?
3. What document has he got?
4. What were the formalities to have the money credited?
c)
1. What was the purpose of the client's coming?
2. Did he know the number of his account?
3. What kind of account has he got?
4. From what account did the gentleman want to withdraw some money?
5. How much money did he take out?
6. In what bills did he get it?
Drill 2. Agree or disagree with the following:
a)
1. The lady wanted to withdraw some money from her account.
2. The bank hasn't issued her a cheque book.
3. The lady didn't know the number of her account.
4. She wanted to take out fifteen hundred franks from her account.
b)
1. The client wanted to pay his crossed cheque in pounds sterling into his son's account.
2. The number of his wife's account is 228.01.
3. His wife hasn't given him a power of attorney.
4. The client hasn't got a passport to present to the cashier but he has got only driving licence.
5. The amount will be credited in a month.
6. The cashier hasn't issued him any paper.
c)
1. The client wants to put some money into an account.
2. He knows the number of his account.
3. The cashier wants to know what kind of account the client has.
4. The client has got a savings account only.
5. He wants to withdraw from his savings account.
6. He wants twenty bills of a hundred.
Drill 3. Give Russian equivalents for the following:
* To pay into an account –
* To put some money into an account –
* To deposit some money –
* To pay into someone else’s account –
* To pay a crossed cheque into someone else’s account –
* To withdraw from an account –
* To take out some money –
* To draw on an account –
* To have some money from an account -
Drill 4. Ask the questions for the following:
…? I’d like to put some money into my account, please.
…? I’m not sure. Maybe … 56.227.
…? Fifteen hundred franks.
…? I’d like to pay this crossed cheque in pounds sterling into my wife’s account.
…? The number of my account is 226.01.
…? Yes, here is my power of attorney.
…? Where should I give my signature?
…? Here is my passport.
…? The amount will be credited in about two weeks.
…? I’d like to take out some money.
…? I’ve got a checking account and a savings account.
…? I’d like two thousand franks from my checking account.
…? Two bills of a thousand.
Drill 5. Translate into English:
a) Пополнение счета.
Кассир: Добрый день, мадам.
Клиент: Мне бы хотелось пополнить мой счет.
Кассир: Конечно, мадам. Вы знаете номер Вашего счета?
Клиент: Да. Вот моя чековая книжка.
Кассир: Спасибо. Вилкинсон … Сьюзен … 56.227. Какую сумму Вы бы хотели внести?
Клиент: 1500 франков.
Кассир: 1500 франков. Хорошо, мадам.
Клиент: Спасибо. До свидания.
б) Пополнение чьего-либо счета.
Кассир: Добрый день, сэр.
Клиент: Мне бы хотелось зачислить деньги по этому кроссированному чеку в фунтах на счет
моей жены.
Кассир: Да, сэр. Вы знаете номер ее счета?
Клиент: Да. 226.01. У меня есть доверенность. Вот она.
Кассир: Спасибо. Вы не могли бы расписаться?
Клиент: Да.
Кассир: Спасибо. У Вас есть паспорт? … Спасибо. Сумма будет кредитована где-то через две
недели, сэр.
Клиент: Хорошо.
с) Снятие денег со счета.
Клиент: Доброе утро. Мне бы хотелось снять деньги со счета.
Кассир: Конечно, сэр. Вы знаете номер вашего счета?
Клиент: Нет. Я не уверен в этом.
Кассир: Как Ваше имя?
Клиент: …
Кассир: Это чековый счет?
Клиент: Дело в том, что у меня есть и чековый счет и сберегательный.
Кассир: А с какого счета Вы бы хотели снять деньги?
Клиент: 2000 франков с моего чекового счета.
Кассир: Я только проверю номер, сэр. 32.460. Вы не могли бы подписаться здесь, пожалуйста, и
здесь. Спасибо. Один момент, сэр. Какими купюрами Вы бы хотели получить деньги?
Клиент: Двумя банкнотами по тысяче, пожалуйста. Спасибо.
CURRENT ACCOUNT SERVICES
Banks extend current account services to anyone whom they regard as reliable. A new depositor may be recommended to the bank by the new depositor’s employer. Or a new depositor should present a reference. If the bank finds the reference satisfactory, or if it has the recommendation of the employer, the bank will then accept a deposit from the new depositor. The deposit will then be entered in to his current account.
The name “current account” comes from the French word “courant”, or “running” in English. It implies that money is being paid into and paid out of the account as often as the customer finds convenient. The balance of the account changes from day to day, as the various transactions proceed. The usual method of paying money into a current account is by means of a paying-in slip. If the customer wants to withdraw cash it is done by means of a cheque. The cheque may instruct the bank to pay in cash, or to transfer the sum concerned to the account of some other customer.
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