餘額門檻為零元
Kathy is at a bank. She is asking the bank teller about how to manage employee payroll.
凱西在銀行。她問行員如何處理撥薪。
payroll(n.)薪資wage(n.)工資income(n.)收入
Kathy: I’m wondering if there is a convenient way to pay monthly salaries to my employees instead of issuing paychecks.
凱西：我想知道除了以支票支薪，還有沒有其他更方便的方法？
A instead of B 選擇A而不是Bissue(v.)發行、發布
Teller: You might be looking for a salary account service.
行員：您想詢問薪轉帳戶的服務吧。
Kathy: Could you tell me more about it?
凱西：可以請你進一步說明嗎？
Teller: It’s a type of special savings account in which employers can transfer monthly salaries to the respective accounts of the employees.
行員：薪轉帳戶是一種特別的存款帳戶，雇主可將每月薪資各別匯入員工所屬帳戶。
transfer(v.)轉帳respective(adj.)各別的、分別的
Kathy: What is the difference between a salary account and a savings account?
凱西：薪轉帳戶跟存款帳戶的差別是什麼？
difference between A and B A與B之間的差別
Teller: Unlike a savings account that requires a minimum balance, a salary account is a zero balance account. The main purpose of a savings account is to encourage savings, while a salary account is mainly used for crediting monthly payroll.
行員：不同於有規定最低存款限額的存款帳戶，薪轉帳戶的餘額門檻為零元。開設存款帳戶的主要目的是為了鼓勵存款，而薪轉帳戶則主要是用來核撥月薪的。
minimum(n.)(adj.)最低限度（的）maximum(adj.)最大限度的encourage(v.)鼓勵credit(v.)存入、匯入
Kathy: So, what I need to do is simply ask my employees to open a salary account?
凱西：所以我需要做的就只是叫員工開設薪轉帳戶嗎？
Teller: The employer must tie up with a bank before opening a salary account for its employees.
行員：雇主必須先跟銀行簽訂薪轉帳戶方案才能替員工開戶。
tie up 合作、聯繫
Kathy: What if my employees don’t have an existing account with the bank that I have a tie-up with?
凱西：要是員工在公司簽訂方案的銀行並沒有帳戶呢？
existing(adj.)既有的、存在的
Teller: Then you will have to assist your employees in the process of opening an account with the respective bank.
行員：那您就得協助員工開設各別銀行帳戶。
assist (sb.) in or with sth. 協助（某人）做某事