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TEXT 6. JANE’S FIRST BANK ACCOUNT
Jane Jones is eighteen years old. She lives in Denver with her family: her
mother, father and elder brother. Denver is a big and modern city. It is also a
center for business. There are many banks in Denver. The Young Americans
Bank is one of them.
The Young Americans Bank of Denver is a very special bank. It is a bank
for the young, but it offers all the services of a big commercial bank. The Young
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Americans Bank gives young people an idea of how a bank works. This prepares
them for the future.
The Young Americans Bank as any other bank offers customers three basic
services: checking accounts, loans and money deposits or savings. The bank has
the same rules as any other bank in the USA. The bank does not give out loans
at a low interest and it does not make exceptions. This is a wise strategy: if a
bank gives out loans at a low interest or makes exceptions, young people will
not learn anything. They will not be prepared for the future.
Jane comes up to the bank. She knows that it is a bank for the young.
Jane is going to put her 150 dollars into this bank. It is the first deposit that
she makes. The teller sees the girl and smiles. She always smiles to greet a
customer.
Jane is leaving her school this year so her parents encourage her to start
saving money for college. She must also learn how to deal with money. She
earns a little working at the local McDonald’s. Often she trims garden shrubs.
From now on Jane will deposit small sums to set money aside for college.
The teller greets the girl:
- Hi. How are you?
- Fine, thank you, - answers Jane. - I’d like to open an account and
deposit $150 in it.
Jane takes out two hundred-dollar bills and places them on the counter. She
looks at the teller expectantly. She is a shy girl, and not very talkative. The bank
intimidates her a little, but she knows she has to learn how to earn and save
money.
- You’d like to deposit 150 dollars. Right? – asks the teller approvingly.
The teller is a woman in her fifties. She looks at Jane with kind
attentiveness. She does not rush her clients. The clients of this bank are very
young and they have to learn. If they learn, they will become good customers.
And tellers have jobs if the bank has customers. If there are no clients, there is
no work for tellers to do.
Jane looks at the teller and nods her head. She likes this lady. She feels
comfortable and her confidence grows.
- Yes, please, - says Jane
- You are opening your first savings account, right?
- Yes, - says Jane.
- Fine, - says the teller. She hands Jane her new credit card and the
change.
A few minutes later Jane walks out of the bank. She takes another look at
her credit card and puts it away into her purse.
Now, Jane is a customer of the Young Americans Bank of Denver. And as
a customer she can use all the basic bank services: checking accounts, loans and
money deposits or savings.

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Aldatik    3   15.04.2020 16:09    6