餘額不足仍可交易
Eva and Wade are discussing the merits and demerits of overdraft protection.
伊娃與韋德在談論透支保護計畫的優缺點。
merit(n.)優點;價值demerit(n.)缺點;記過
Eva: Since those with overdraft protection tend to pay more fees than those without the coverage, why don’t they just opt out of the service?
伊娃：既然加入透支保護計畫的人往往會比沒有加入計畫的人繳付更多費用，為什麼大家不直接退出這項服務呢？
coverage(n.)(保險、內容、服務等的)涵蓋範圍opt out of sth. 退出opt into sth.=opt in for sth.=加入、參與…
Wade: Because it does have its pros.
韋德：因為它確實有優點啊。
Eva: Like what?
伊娃：像是什麼？
Wade: Your transaction will still clear even if you don’t have enough money in your bank account. It can provide access to funds in times of emergency.
韋德：即使銀行帳戶餘額不足仍可進行交易，讓妳在緊急之下也能取得資金。
transaction(n.)交易access(n.)取得或使用某物的權利
Eva: This could save us from embarrassment in cases of having our cards declined.
伊娃：這可避免刷卡遭拒的尷尬場面。
save one from embarrassment=讓某人免於尷尬decline(v.)拒絕
Wade: The downside of overdraft protection is that you may end up paying more for whatever fees your bank charges.
韋德：透支保護的缺點就在於最終可能多繳了銀行收取的各項費用。
downside(n.)不利因素end up V-ing=以～告終
Eva: Would they charge more than the purchase I actually make?
伊娃：收費可能比實際消費的金額還高嗎？
Wade: It’s possible. If one runs up multiple overdraft fees and ends up with a negative bank account balance, the bank will eventually close the account.
韋德：這是有可能的。如果積欠多筆透支費，最終導致銀行帳戶出現負額，銀行就會關閉帳戶。
end up with sth.=落得…的下場negative(adj.)負值的
Eva: What would happen then?
伊娃：那會怎麼樣？
Wade: Once your account is closed, it will be much harder to get another account at a different bank.
韋德：一旦帳戶被關閉，要在其他銀行開戶就更難了。
hard-harder-hardest