Phần Bài đọc (Reading). Sử dụng khi thi BIDV

Câu 1:

A bank account

For the safety, convenience and many other benefits, more and more people open a bank account. A account is a record of a customer’s money transactions (deposit and withdrawals). Its form like the letter T with Debits on the left and Credits on the right. An account can have either credit or debit balance. A credit balance is the statement of an account when more money is deposited than withdrawn while a debit balance is when less money is deposit than withdrawn. Every month account holders are given an account statement showing the month’s transactions, consisting of Date, Detail, Debits, Credits and Balance and pay an account charge, but if they can keep their account in credit, this service will be free of charge.
Banks will make a note of credit or debit entry in customer’s account when they pay money in or out their accounts. When a customer deposit $40 in his account, the bank credit this amount to the customer’s account and at the same time debits $50 to the bank’s account. This is an example of double entry
Deposit on an account may be demand or time. Normally, the demand deposit account pays no or very little interest whereas the time pays interest. The interest rates paid by banks vary from bank to bank, depending on how long customers leave their money in the bank: short, medium or long term. The longer the money remain is the bank, the more interest it earns. With time deposit, account holders usually withdraw their money at maturity but they can take the money out of the account before the maturity date if they want. In this case, some interest will be lost.
A withdrawal slip is usually used to withdraw money from an account. However, current account holders can withdraw money from their account by writing cheques, but write “cash” or “self” in place of the payee’s name.
To open an account, the applicant is required to fill in an account opening application form and to deposit some money. An account can e opened for individuals or a company. The former is the personal while the latter is the corporate or business account. In general, the procedures of opening a corporate account is more complicated than a personal one.
To close an account, it is necessary to withdraw all the balance on it.
There are different types of account to meet the various needs for customers: current (checking), deposit and savings accounts, sole and joint accounts, personal and corporate accounts.

ĐӢc bĖi đӢc trĜn vĖ trẀ lӲi cėc cĘu hӤi sau - Choose the best answer?

An account has … columns.
a. One b. Two c. Three
A monthly account statement has … columns
a. one b. three c. five
Money transactions of an account can be…
a. deposit b. withdrawals c. a & b
An account in debit means:
a. Credit is larger than Debits
b. Debits is larger than Credits
c. Debits is the same as Credits
An accountholder may be freed from paying the account charge when:
a. he keeps his account in debit
b. he keeps his account in credit
c. both a & b
Making a note of a double entry means:
a. to credit an account
b. to debit an account
c both a & b in one account with the same amount
d. both a & b in two accounts with the same amount
Money on an account is maybe:
a. demand b. time c. both a & b
The rates of interest on demand deposit are … those of time ones
a. lower than b. higher than c. the same as
The rates of interest on long-term deposits are … those of short –term ones.
a. lower than b. higher than c. the same as
"Cash" is written on a cheque instead of your name when:

a. you pay for goods by cheques
b. you deposit money in you’re a/c
c. you withdraw money from you’re a/c

Hęy trẀ lӲi thteo m‼u sau:
VD: 1a-2b-3c-4d-5a.....

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Phần Bài đọc (Reading). Sử dụng khi thi BIDV

Câu 1:

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