知识人网海外生存英语，专为海外生活学习打造国外银行开户，让您熟悉最地道的英语口语表达和用法。今天的课题是“访问学者博士后如何在国外银行开户”。
A BANK
银行开户
If you are to go to work as a or a post-doc, it is very that you may need to open a bank in the you have for you visit. a bank will you to use local debit cards, make and and of money. It will make your life in terms of , if you are to stay a of time .
如果您准备在国外做访问学者或者博士后，您也许需要在您即将到访的国家开一个自己的银行账户，使用借记卡转款和取款。有了银行卡，您的生活将会变得更加便捷，特别是您打算在国外工作和生活一段时间。
Which bank I ? 选择哪一个银行开户呢？
your bank . You a bank that:
选择银行方面，您可以参考以下几个方面：
v Is by the you work for. 您所工作的机构认可的银行卡。
v Is by your . 医保认可的银行卡。
v Has all over the . 全国都有办公点的银行。
v Is and well-known. 可靠且大众熟知的银行。
v Pays good rates. 高利率的银行。
For your , these are the Top 6 Banks in the U.S.:
以下美国六大最佳银行供您参考：
Bank of 美国银行
J. P. Chase & Co. 摩根大通商业银行
花旗银行
Wells Fargo & Co. 富国银行
Sachs 高盛投资银行
摩根士丹利银行
How to open a Bank ? 怎么开通银行账户？
Check the Bank’s 银行官方网站查询
v Check the bank’s for the for a bank to the .
v 查询银行官方网站开户材料要求，提交前认真准备所需要的材料。
v the and check their work time.
v 选择离您最近的银行分行，并确认该银行的工作时间。
v Check the of cash you take with you in order to open the bank . (This money will be on your new bank when you it.)
v 确认好开户所需要的最低储蓄现金额。（这笔钱通常在新开户的时候需要储存进银行账户中。）
Bank 银行柜员
v Get a to talk to a bank in order to open your bank .
v 开户前，取号等候银行柜员呼叫办理业务。
v You will need to a valid ID (in the case of it is your ).
v 准备好您的身份证（外籍人员需准备好自己的护照）
v In order to open a bank you may need to Bills for the bank to your , such as: bill, Water bill, Gas bill, bill, Cable bill, lease , etc.
v 开户前，您可能需要向银行提供有效的物业账单以证明您的居住地，例如：电费单、水费单、燃气费账单、网费账单、有线电视费用单、签字的房屋租赁合同等。
v If in the , after you have your bank and got your bank card, you need to go to the bank, you will need to your bank card and a valid ID in order to get a .
v 您开户成功拿到银行卡后，如果以后去银行办业务，您需要提供您的银行卡和有效身份证件才能取得业务办理号码。
which type of Bank you want 选择银行账户类型
:
支票账户：
v It is used for . 用于每天刷卡消费使用。
v You can get a debit card. 您可以拿到一张借记卡。
v You can also apply for a card and to write with this type of . 您最后也可以申请一张信用卡，然后用这个银行账户来开支票。
:
储蓄账户：
v It has a rate ( on the type of model).
v 利率高（取决于储蓄账户的类型）。
v There may be some as to how much money you can .
v 每月能取现金额度有限。
v You can get a debit card.
v 您可以拿到一张借记卡。
your Bank Card 激活您的银行卡
v Open the in which your Bank Card comes.
v 您收到银行卡后，小心拆开邮寄的信封。
v there will be a .
v 拆开信封后您会发现一个可用的临时密码。
v Go to an ATM and use this , the ATM will ask you to your own .
v 去自动取款机输入临时密码，然后机器会提醒您马上输入新密码。
v Input your new and it. From that you use only that .
v 输入并牢记新密码。从这以后，您将一直使用您的新密码。
That’s it! You are ready to start using your bank and bank card. to keep your card on a safe place and to never share your with other .
一切都已经办好了！现在就可以开始使用自己的银行账户和银行卡了。切记保管好自己的银行卡国外银行开户，不要把银行卡密码告诉别人喔。
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