A、Because they can be used in any bank. B、Because they needn’t make a transaction. C、Because they can offer any service. D、Becau

W: Good morning. How can I help you?
M: I’d like to open a new account.
W: OK. Please take a seat. Well, (19)have you filled out an application form?
M: Yes. And I’ve brought some documents along with me, too. Do I need to show you my passport?
W: Yes. I’ll just have my assistant look over these quickly and then we’ll move on to the next step. So, you want to open up a checking account and a savings account, right?
M: Yes. Does the checking account come with a debit card?
W: (20)Yes. Actually, both accounts come with cards that you can use in ATM machines, so that you won’t have to come into the bank to make a transaction.
M: That’s very convenient.
W: It sure is. Our customers really like it. Then, do you have any other questions about your new accounts?
M: Yes. What’s the maximum amount that I am allowed to have in an overdraft?
W: $ 1 000 is the maximum.
M: Is there a penalty for having an overdraft?
W: (21)Yes, but it’s not much. You just have to pay 1% interest on the account. It’s much lower than any of our loans and it’s much better than owing money to most credit cards.
M: That’s true. Um... is everything alright with my documents now?
W: Yes, They’re all in order. Now please sign your name here, (22)and you’ll receive your cards and pin numbers in the mail in about three weeks.
M: Thank you very much.
W: You’re welcome.
19. What should one do first when he opens a new account?
20. Why does the man say debit cards are used conveniently?
21. What is the consequence if one’s bank account is overdrawn by more than $ 1 000?
22. How long will it take to issue a bank card?