高額存款扣押
Megan and James are friends. They are discussing depositing a check.
梅根與詹姆士是朋友。他們在談論存入支票。
deposit(v.)(n.)存款recurring deposit account複利存款帳戶fixed deposit account定存帳戶
Megan: James, what is the process for depositing a check? I usually get payments directly to my account, but my grandma gave me a check for my birthday.
梅根：詹姆士，存入支票的程序是什麼？我的款項通常都是直接轉入帳戶的，但我奶奶給了我一張支票當生日禮物。
process(n.)過程、流程、程序；(v.)處理、辦理legal process法律程序natural process自然過程directly(adv.)直接地indirectly(adv.)間接地
James: Wow! She needs to get with the times! Just kidding. I still deposit checks on occasion.
詹姆士：哇！她得跟上時代才行啊！開玩笑的啦。我偶爾也會存入支票。
get with the times跟上時代、與時俱進=keep up with the timesbehind the times落後於時代on occasion偶爾=at times=now and then=once in a while
Megan: Well, this will be my very first time. Will the money be available right away like cash?
梅根：這會是我此生第一次這麼做呢。支票的款項會像現金那樣立即兌現嗎？
available(adj.)可供使用的、有空的
James: No. It takes a few days for the check to clear.
詹姆士：不。支票兌現入帳需要幾天的時間。
clear(v.)兌現dishonored check空頭支票、跳票=bounced check
Megan: How long does it usually take?
梅根：通常需要多久？
James: Well, for local checks, it usually takes about two days. However, it can take up to five days in some cases.
詹姆士：這個嘛，當地支票通常需要兩天左右的時間。不過，有些情況下可能會需要用到五天。
Megan: What causes the difference in time?
梅根：什麼導致到帳時間有所差別？
difference(n.)差別、區別
James: I think if the check is over $5,000, it is considered a large deposit and some of the amount can be held longer.
詹姆士：我想若支票金額超過5,000元，便會被視為高額存款，而有些金額可能會被扣押得更久。
be considered (to be)被視為～=be regarded as=be seen as
Megan: That makes sense. I’ll just bank on two days then, since the check is only $100.
梅根：那很合理。既然我的支票金額只有100元，那應該兩天就搞定了。
bank on指望～、仰賴～