儲蓄帳戶較高利率
David and Mary are colleagues. Mary is asking David about using an internet-only bank.
大衛和瑪麗是同事。瑪麗正向大衛詢問使用純網銀的事情。
Mary: Did you mention last week that you were switching to an internet-only bank?
瑪麗：你上禮拜不是提到要換到純網路銀行嗎？
switch(v.)轉換、突然改變
David: Yes! I actually switched already. No more brick-and-mortar banks for me now.
大衛：對啊！其實我已經換了。現在我不再用實體銀行了。
brick-and-mortar (adj.) 實體的brick-and-mortar bank 實體銀行
Mary: Isn’t it a little scary to not have a branch office to go to?
瑪麗：沒有一間實體分行可以去不會有點可怕嗎？
a little 有一點、稍微branch (n.) 分支機構、分部、分行branch office 分部、分行branch manager 分部經理、分行經理
David: Not really. I don’t think I’ll miss that. Plus, I get a certain number of free ATM transactions.
大衛：還好耶。我不認為我會想再去實體銀行了。況且，我可以享有幾次免手續費的ATM交易。
transaction (n.) 交易cash transaction 現金交易
Mary: Oh, ok. So what are the other advantages of using an internet-only bank?
瑪麗：喔，這樣啊。所以用純網銀還有什麽其它好處呢？
David: Well, for me, the biggest pro of switching was the higher interest rates on my savings account and the lower fees that I have to pay to use the account.
大衛：對我來說，換純網銀最大的好處就是儲蓄帳戶可以有比較高的利率，使用帳戶也可以付較低的費用。
pro(n.)好處、益處con(n.)壞處、缺點pros and cons 利與弊interest(n.)利息interest rate 利率savings account 儲蓄帳戶fee(n.)費用
Mary: Oh, those seem like some good benefits.
瑪麗：喔，聽起來是不錯的好處耶。
benefit (n.)利益、好處(v.)使某人受益、幫助某人
David: Exactly. Also, I read that customers of these types of banks also have better online experiences. For me, this was one of the most important reasons that I switched.
大衛：沒錯。此外，我讀到說使用這些類型銀行的顧客也有較好的線上體驗。對我來說，這是我換銀行最重要的原因之一。
online experience 線上（使用）體驗
Mary: Well, let me know how you like it. Maybe I’ll follow your lead and switch, too!
瑪麗：你再讓我知道你覺得好不好用吧。或許我也會跟你一樣換成純網銀。
lead(n.)示範、榜樣follow sb.’s lead 跟隨某人、效仿某人