Banking & ATMs in the US ๋ฏธ๊ตญ์ ๋ฑ
ํน & ATM
In the United States, the four biggest banks are JPMorgan Chase, Bank of America, Wells Fargo, and Citigroup. It can be difficult to open a bank account in the U.S. Even residents need to prepare a lot of things to open an account.
๋ฏธ๊ตญ์ 4๋ ์ํ์ JP๋ชจ๊ฑด ์ฒด์ด์ค, ๋ฑ
ํฌ ์ค๋ธ ์๋ฉ๋ฆฌ์นด, ์ฐ์ค ํ๊ณ , ์ํฐ๊ทธ๋ฃน์ด๋ค. ๋ฏธ๊ตญ์์ ์ํ ๊ณ์ข๋ฅผ ๋ง๋๋ ๊ฑด ๋ค์ ๊น๋ค๋ก์ด ์ผ์ด๋ค. ๊ฑฐ์ฃผ์์ฌ๋ ๊ณ์ข ๊ฐ์ค ์ ๋ง์ ์ค๋น๊ฐ ํ์ํ๋ค.
If youโre a foreigner, you should prepare your contact information, two forms of official idea, your Social Security number or Individual Taxpayer Identification Number (ITIN), a utility bill and a deposit (usually $25-$100).
์ธ๊ตญ์ธ์ ๊ฒฝ์ฐ์๋ ์ฐ๋ฝ์ฒ ์ ๋ณด, ๋๊ฐ์ง ๊ณต์ ์๋ฅ, ์ฌํ๋ณด์ฅ๋ฒํธ ๋๋ ๊ฐ์ธ ๋ฉ์ธ์ ์๋ณ ๋ฒํธ(ITIN), ๊ณต๊ณผ๊ธ ๊ณ ์ง์, ๋ณด์ฆ๊ธ(๋ณดํต $25-$100)์ ์ค๋นํด์ผ ํ๋ค.
The U.S. takes banking very seriously so itโs not that easy to open an account. You also need to close your account if youโre not going to use it anymore. ๋ฏธ๊ตญ์ ์ํ ์
๋ฌด๋ฅผ ๋งค์ฐ ์ค์ํ๊ฒ ์๊ฐํ๊ธฐ ๋๋ฌธ์ ๊ณ์ข ๊ฐ์ค ์์ฒด๊ฐ ์ฝ์ง ์๋ค. ๋ ๊ณ์ข๋ฅผ ๋ ์ด์ ์ฌ์ฉํ์ง ์์ ๊ฒฝ์ฐ ํด์งํด์ผ ํ๋ค.
Using ATMs in the U.S. is pretty easy but you have to keep an eye out for fees. You might have to pay an international service fee, a fee for using a different bank, and a fee for selecting a different currency. Itโs good to check with your bank in your home country to see which ATM would be the best for you to use.
ATM ์ฌ์ฉ์ ๋งค์ฐ ์ฝ์ง๋ง, ์์๋ฃ์ ์ฃผ์ํด์ผ ํ๋ค. ๊ตญ์ ์๋น์ค ์์๋ฃ, ํ ์ํ ์์๋ฃ, ๋ค๋ฅธ ํตํ ์ ํ์ ๋ฐ๋ฅธ ์์๋ฃ๋ฅผ ๋ด์ผ ํ ์๋ ์๋ค. ๋ณธ๊ตญ ์ํ์ ์ด๋ค ATM์ ์ฌ์ฉํ๋ ๊ฒ ๊ฐ์ฅ ์ข์์ง ๋ฌธ์ํด ๋ณด๋ ๊ฒ ์ข๋ค.
A loophole that a lot of people use is to ask for cashback when they use their card. In that case, you pay with your card at the cash register and then ask for cash back from the register. Itโs an easy way to avoid fees. ๋ง์ ์ฌ๋์ด ์ด์ฉํ๋ ํ์ ์ค ํ๋๋ ์นด๋๋ฅผ ์ธ ๋ ์บ์๋ฐฑ์ ์์ฒญํ๋ ๊ฒ์ด๋ค. ์ด๋ ๊ณ์ฐ๋์์ ์นด๋๋ก ๊ฒฐ์ ํ ํ ์บ์๋ฐฑ์ ์์ฒญํ๋ ๊ฒ์ผ๋ก ์์๋ฃ๋ฅผ ํผํ๋ ์ฌ์ด ๋ฐฉ๋ฒ์ด๋ค. |