透支保護計畫
Eva and Wade are friends. Eva is asking Wade about whether she should opt in for overdraft protection.
伊娃和韋德是朋友，伊娃問韋德她該不該加入透支保護計畫。
opt in for sth. 選擇加入某事
Eva: Hey, Wade. Do you think I should get overdraft protection?
伊娃：嘿，韋德。你覺得我該加入透支保護計畫嗎？
Wade: It depends. Why do you ask?
韋德：看情況啊。為什麼這麼問？
Eva: I’m thinking about opting into my bank’s coverage.
伊娃：我想加入銀行的透支保護計畫。
opt into=opt in to 選擇參與…
Wade: You do know that with overdraft protection, your bank will allow purchases or withdrawals to go through even if you don’t have enough balance in your account?
韋德：妳知道有了透支保護，就算帳戶餘額不足，銀行仍會讓妳進行消費跟提款吧？
withdrawal(n.)提款withdrawal of troops 撤軍balance(n.)餘額
Eva: Doesn’t it sound good?
伊娃：聽起來很不錯吧。
Wade: Not so fast. Overdraft protection is a big moneymaker for the banks.
韋德：先別這麼快就下定論。透支保護是銀行賺錢的手段。
moneymaker=money-spinner 賺錢的活動或商品
Eva: How so?
伊娃：怎麼說？
Wade: The protection doesn’t come for free. Banks charge a hefty fee each time you overdraw your account.
韋德：這種保護機制可不是免費的。銀行會在妳每次帳戶透支時收取高額的費用。
hefty(adj.)高額的;可觀的overdraw(v.)透支
Eva: How much does the bank charge?
伊娃：銀行會收多少錢？
charge(v.)收費
Wade: The average fee for each transaction ranges from $30 to $35.
韋德：平均每筆交易收取30元至35元不等。
average(n.)(adj.)平均值;平均(的)range from A to B 範圍從A涵蓋到B