徵收透支費風險
Naomi is asking her business partner, Dan, to cash a check.
娜奧米請她的合夥人丹兌現一張支票。
cash(v.)兌現、變現write sb. a check開立支票給某人=make a check payable to sb.issue(v.)開立
Naomi: Dan, could you cash this check when you’re out on duty?
娜奧米：丹，你出門辦事的時候能順便兌現這張支票嗎？
be out on duty出勤
Dan: Sure. Wait… this check is six months old. I think it is already void.
丹：可以啊。等等⋯⋯這張支票已經逾期六個月之久了。我想它已經失效了。
void(adj.)無效的invalid(adj.)無效的null and void無法律效力的
Naomi: Really? Gosh… I should have had it cleared months ago.
娜奧米：真的假的？天啊，我幾個月前就該兌現的了。
clear(v.)兌現、變現
Dan: It might still be accepted by our bank, but we don’t know whether the issuing bank will still honor it or not.
丹：雖然我們的銀行可能還是會收下這張支票，但我們不知道開立支票的銀行還會不會兌現。
accept(v.)接受reject(v.)拒絕=declinehonor(v.)兌現
Naomi: What will happen if they don’t?
娜奧米：要是他們不兌現這張支票會怎樣？
Dan: The fund will be withdrawn. We could also run the risk of being charged an overdraft fee if the check bounces due to an insufficient balance or an account closure.
丹：資金將被撤回。如果因為帳戶餘額不足或帳戶關閉而跳票，我們也會冒上被徵收透支費的風險。
withdraw(v.)(withdraw-withdrew-withdrawn)提款、提領、撤回、撤出run the risk of sth.承擔某事的風險an overdraft fee透支費bounce(v.)拒付或退回(支票)a bounced check跳票、空頭支票=a dishonored checkinsufficient(adj.)不足的=not enough
Naomi: Does that mean we should ask the issuer for a replacement check?
娜奧米：那表示我們應向發票人索取一張新的支票囉？
issuer(n.)發票人=payer=drawerrecipient(n.)受(收)款人、受票人=payee=draweereplacement(n.)更換或替代(的人事物)
Dan: It seems to be an option. Or they can use an electronic payment method to make the transaction instead.
丹：那似乎是個選擇。或者他們可以改用電子支付的方式來進行交易。
electronic payment電子支付mobile payment行動支付transaction(n.)交易