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Business English - Banking Vocabulary

Choose the best response for each blank:


1. I'd like to _________________ an account.
open
start
commence
2. You don't have any _________________ ( = money) in your account.
funds
fun
funding
. !he "ank _________________ my hus"and's credit card "ecause he didn't pay his
credit card "ills.
reneged
retracted
cancelled
#. $ document %hich sho%s all your %ithdra%als and deposits (usually for one
month) is called a &"ank __________________&
stapler
statement
"ill
'. (hat's another %ay to say &to %ithdra%&) _____________________.
to make out
to stake out
to take out
*. I'd like to _________________ some money to my other account.
transfer
change
s%itch
+. $ cashier's check is a check that's _________________ "y a "ank.
guaranteed
1
guarantee
%arrantee
,. $nother %ay to say &de"it card& is _________________.
credit card
plastic card
"ank card
-. Is there _________________ around here some%here) ( = a cash machine)
an electronic machine
an $!.
a money machine
1/. If you've lost your "ank card you can _________________ for a ne% one.
reply
apply0reapply
fill
11. !he money you "orro% from a "ank is called a _________________.
loaner
loan
lone
12. I have to _________________ another loan.
take out
go for
take in
1. If you'd like to "uy a house1 you %ill pro"a"ly have to take out a ____________.
statement
mortgage
marriage
1#. $ _________________ mortgage ensures that your interest rate %ill not change.
varia"le rate
fi2ed level
fi2ed rate
2
1'. Your home may "e _________________ if you don't keep up repayments on your
mortgage.
retaken
repositioned
repossessed
1*. 3sually "anks have t%o types of personal accounts 4 checking and
_________________.
savings
save
saver
1+. You can _________________ paying account fees if you keep a minimum daily
"alance of 51/// on your account.
access
avoid
avert
1,. (hat's the _________________ on my account) It's 5#1'//. ( = there's 5#1'// in
your account)
"ail
money
"alance
1-. 3sually1 higher "alances earn higher _________________ .
rates
cash
levels
2/. !his account offers easy access1 no minimum "alance and no monthly
_________________.
server fee
service fee
serve4me4fee
21. $ high4yield account &yields& ( = pays) more _________________ than a normal
account.
interesting
3
interim
interest
22. If your check &_________________&1 there %as pro"a"ly not enough money in
your account to cover it.
"inds
"ounces
"urns
2. .any "anks currently offer their customers the opportunity to do their "anking
_________________. ( = over the internet)
online
inline
%e"
2#. $ person's credit _________________ is a formal evaluation of his0her loan4
repayment history or potential.
rating
level
rate
2'. Informally1 having a lo% credit4rating is referred to as having &
_________________&.
good credit
insufficient funds
"ad credit
2*. $ "ank %ill not give you a loan unless you provide some kind of
________________. ( = something of value as a guarantee of repayment)
collateral
collocation
promise
2+. If your "ank account goes into &overdraft&1 it means ____________________.
you o%e the "ank money
the "ank o%es you money
your "alance is /
4
2,. $ __________________ loan is a loan "acked up %ith collateral.
security
secured
secular
2-. ____________________ a mortgage or other type of loan can lo%er the monthly
payments o%ed on the loan.
6e%orking
6edoing
6efinancing
/. I'm sorry1 .r. 7heung1 "ut your check hasn't ___________________ ( = gone
through) yet.
cleared
transferred
claimed
1. 8o you have any ____________________ de"ts) ( = de"ts that you have not paid
off)
e2cellent
outstanding
outsourcing
2. You'll have to ____________________ these forms. 9nce you do that1 I'll give
them to our "ank manager for approval.
fill
filter
fill out
. (e'll ____________________ your lost card. :o pro"lem.
replace
redo
remake
#. !o ____________________ money to someone's account means to transfer
money into someone's account.
%ave
%aive
5
%ire
'. (e have to reset your ____________________ num"er. ( = the secret code for
your "ank0$!. card)
pine
;I:
secret
*. I keep half of my savings in an account1 and the other half in a ______________
at my "ank.
safe4deposit "o2
safe4keeping "o2
safety "o2
+. $ money market account is a com"ination checking and savings account1 one in
%hich your "ank __________________ your deposited money for you.
investigates
invests
interests
,. <ankrate.com is a good place to check %hich "anks and credit unions
____________________ for various accounts.
offer the good deals
offer the "est deals
provide you %ith "est deals
-. =ach account has different ____________________ ( = characteristics). You
should decide %hich ____________________ are most important for you.
>ualities
figures
features
#/. $ ____________________ "ank account is one that you share %ith another
person.
?oined
together
?oint
6
#1. I think that a "usiness account is more ____________________ to your needs.
suit
suita"le
seea"le
#2. 9ne of the main duties of a financial ____________________ is to offer a range
of non4deposit investment products and services.
counselor
consultant
council
#. 9ne of your responsi"ilities %ill "e to ____________________ ( = put together)
%eekly and monthly financial reports for management.
compile
compromise
control
##. (e closely monitor investment activity to ensure customers are receiving accurate
investment ______________________. ( = advice)
commendations
compensation
recommendations
#'. ;lease ______________________ ( = "e patient %ith me). I'm ne% to investing.
"ear %ith me
think %ith me
"ear me
#*. !his investment %ill yield a higher ___________________. ( = you %ill make
more money %ith this investment)
return
cash
satisfaction
#+. .y financial consultant helped me %ith my ___________________ planning.
retired
old4age
retirement
7
#,. Investors %ith a ___________________ portfolio have several (or more) different
investments.
different
diversified
diverging
#-. @et me ___________________ your account to reflect the changes.
update
append
inspect
'/. $sset ___________________ involves dividing an investment portfolio among
different asset categories1 such as stocks1 "onds1 and cash.
allocation
collocation
information
'1. In "anking terms1 someone's portfolio is a collection of their _____________.
investments
investors
graphic design pro?ects
'2. ___________________ investor is more likely to risk losing money in order to get
"etter results.
$ passive
$ timid
$n aggressive
'. (hat's the opposite of an aggressive investor) ________________________.
$ concerned investor
$ conservative investor
$ cornered investor
'#. ___________________ the stock market can "e risky1 "ut it often yields higher
returns than other investments.
8oing
(orking
8
;laying
''. ;roponents of diversification "elieve that you shouldn't put all your eggs
___________________.
in one "asket
in one "ag
in one "ackpack
'*. $ mutual fund is a form of ___________________ investment that pools money
from many investors and invests their money in stocks1 "onds1 and other securities
etc.
collective
collected
collated
'+. (henever I ______________ ( = notice) a trend1 I let my clients kno% a"out it.
vie%
spot
sport
',. (hat are the __________________ risks associated %ith this approach)
money4losing
financial
financier
'-. @ast year's crisis sent financial markets into a ___________________. ( = they
%ent do%n considera"ly)
tailspin
conundrum
crisis
*/. Ae really turned this "usiness ___________________ = Ae really made a "ig
difference0 improvement.
ane%
along
around
*1. $ year after he arrived1 he ___________________ a deal to merge %ith a rival
9
"ank.
e2pressed
e2perienced
e2ecuted
*2. Ae took a ___________________ ( = agreed to earn less money) to %ork here.
pay cut
salary increase
pay"ack
*. In finance1 a &%rite4do%n& refers to the process of reducing the "ook value of an
asset "ecause it is ___________________ ( = %orth too much) compared to the
market value.
overvalued
undervalued
valued
*#. !hat "ank did "etter than %as e2pected last year "ecause it took risks that it didn't
fully ___________________ ( = let people kno% a"out).
discuss
close
disclose
*'. <anks usually ___________________ higher rates on long4term loans.
in charge
charge
provide
**. Breat ne%sC 9ur "ank is no% ___________________ higher rates on certain
savings and checking accounts.
charging
offering
practicing
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