#Person1#: Which service offered by your bank do you use most?
#Person2#: I use several services. Of course, I deposit and withdraw money quite often. I often use my ATM card to take money out of my current account. I use my bank to exchange money from once currency to another. I often travel abroad, you see.
#Person1#: Do you ever ask you bank for traveller's cheques? They are much safer than carrying lots of cash around.
#Person2#: I sometimes use traveller's cheques, but sometimes I travel to countries where they are hard to exchange for cash.
#Person1#: Do you use your bank to pay your utility bills? I use direct debit.
#Person2#: Yes, I do. It save me a lot of time. I also have standing orders for my subscriptions to magazines.
#Person1#: That's good idea. You don't need to worry about missing an issue of a magazine if you do that. I suppose you have a mortgage too.
#Person2#: Yes. My bank offers very good terms and conditions on mortgage. There's a lot of competition between banks nowadays. Each one is trying to offer better conditions and services than the others.
#Person1#: I have a deposit account with my bank. There are some restrictions on withdrawing money, but the interest rate is much higher.
#Person2#: I don't have one. I prefer to buy shares. My bank also provides a share trading service. It's cheap and easy to use.
#Person1#: That's great. But I prefer to put my money somewhere where the returns are more certain.
#Person1# and #Person2# discuss services offered by the bank that they use most, including cheque service, mortgage, and interest rate.
bank service