M: Hello everyone! Welcome back to another great lesson here with us at EnglishPod! My name is Marco. E: And I’m Erica. M: And today we’re gonna be getting money. E: That’s right. We’re going to have a lesson about the ATM. M: The ATM or… E: Automatic Teller Machine. M: Okay, that’s what it stands for, ATM. E: Uhu. M: So, we’re gonna be looking at the language that you’ll probably find in an ATM maybe in the United States or in an English speaking country. E: That’s right. Um, but before we begin, why don’t we look at some vocabulary that we’ll hear in the dialogue? Voice: Vocabulary preview. M: As we mentioned, the ATM or automatic teller machine is the machine where you get your money, right? E: Exactly. M: And also, well, some people or in different places they may call it the bank machine. E: Yeah, or maybe the cash machine. M: Uhu. E: Uhu. M: Or just a money machine or something. Alright… E: So, ATM. M: ATM. And now, let’s take a look at our next word. E: Local authorities. M: The local authorities. E: The local authorities. M: So, what are the local authorities? E: Well, basically, it’s the police. M: The police. E: Uhu. M: Why do you say local authorities? E: Okay, well, authority is, uh, the person in charge, right? M: Uhu. E: The boss. M: Uhu. E: So, the local authorities are basically people who are the boss of this place. M: In that area. E: Yeah, so… M: Okay. E: The police. M: The local authorities. E: Uhu. M: So, why don’t we start now with our dialogue? Why are we talking about local authorities and ATM machines? E: I don’t know. We gotta listen to find out. A: Stupid girl, making me spend so much money, now I have to get it from the ATM... B: Hello, welcome to Universal Bank. Please insert your card into the slot. A: I know where to put my card! Stupid machine, talking to me like I’m an idiot... B: Please input your 6 digit PIN code followed by the pound key. Thank you. Please select an option. Thank you. You have selected withdrawal. A: Yeah, yeah, I know what I selected. Just gimme my money! B: Please type the amount you would like to with- draw. Thank you, you want to transfer 10000 USD to the World Wildlife Foundation. If this is correct please press 1. A: No, no! Stupid machine, what are you doing! No! B: Confirmed. Thank you for using our bank! Please remove your card from the slot. Goodbye! C: Danger, danger! The exits have been sealed and the doors will remain locked in until the local au- thorities arrive. Thank you for using our bank. Have a nice day. A: No! M: Alright, so, it’s not his day today. I think he was very, uh, unlucky and I… maybe he’s gonna be in trouble. E: I know and he was on a date. This is probably one of the worst things that can happen to a guy when he’s on a date. M: Alright, yeah, so, well, we saw some of, ah, language that was related to an ATM, money and banking. E: Uhu. M: So, why don’t we take a look at that now in “language takeaway”? Voice: Language takeaway. E: Alright, so, the guy had to insert his card into the slot. M: Okay, so, slot. E: Slot. M: Alright, slot. And that is an opening, right? Or a type of hole, maybe. E: Yeah, it’s a hole that is usually long. M: Long and… it’s like a rectangular hole. E: Yeah, it.. a slot is never a circle. M: Okay, so, for example, when you get mail… E: Uhu. M: The mailman will put into your mailbox through the slot. E: That’s right. M: Okay. Now, well… and now that he put his card into the slot, he had to input a six-digit PIN code. E: Wanna just do both together? Digit and PIN code. M: Yeah. E: Okay, so, a six-digit PIN code. M: Alright, now, we have two words here that are new. Digit. E: Digit is basically a number between zero and nine. M: Okay, so, any number between zero and nine is considered a digit. E: Yes, so, one hundred (100) is made up of three digits. M: Three digits, okay. E: Uhu. M: And what about PIN code? [NOTE: PIN is the acronym that stands for a personal identification number] E: A PIN code is your secret number that you use to take money out. M: Now, why wouldn’t we say password? E: Password is usually letters. M: Okay, and PIN code is numbers. E: Exactly. M: Alright. He had to input his six-digit PIN code and then, after that, he had to press the pound key. E: Pound key. M: Now, this is strange, a pound key, what is that? E: Well, you know on a phone… M: Uhu. E: On the bottom right… M: Aha. E: There’s a key, um, th… or a button that looks like a number sign. M: Number sign, so, kind of like two vertical lines and two horizontal lines. E: Yeah, two lines going up and down, two lines going across. M: Okay, so, that’s called the pound key. E: Uhu. M: Alright, what about the other one? E: It’s called the star. M: The star. E: Star key. M: The star key, alright. So, after the PIN code, after the pound key, now he’s ready to withdraw money. E: Uhu. So, we heard withdrawal. M: Okay, so, withdrawal is… E: Is a noun; it’s the action of taking money out. M: Okay a withdrawal. E: A withdrawal. M: Okay, and to withdraw. E: To withdraw is just the verb. M: To take out money, right? E: Exactly. M: So, we have the noun and the verb. The only difference is an –al at the end. E: Yes, so withdrawal – noun, and withdraw – verb. M: Okay, and, well, he wanted to withdraw money, but something happened with the ATM and it turned out that he was gonna transfer money. [NOTE: we have here the future in the past; please check this link and listen to this lesson for more information about this grammar topic] E: Oh-oh. M: Hehe. So, transfer. E: Transfer. M: Transfer. E: When you transfer money, you take it from one place and put it in another. M: Okay, and usually in banking when you transfer money, you don’t really see it, right? E: Exactly. M: It’s all electronic… E: Uhu. M: So, you just put it from one bank account to another, but you never actually see this money. E: Exactly, so, transfer money. M: Transfer. E: And now, this one also has a verb and a noun, right? M: Right, a transfer. E: And to transfer. M: Same word. E: Uh, yep. M: Easy. Alright, so, why don’t we listen to our dialogue for the second time? It’s gonna be slowed down a little bit and then we’ll come back and look at some phrases. A: Stupid girl, making me spend so much money, now I have to get it from the ATM... B: Hello, welcome to Universal Bank. Please insert your card into the slot. A: I know where to put my card! Stupid machine, talking to me like I’m an idiot... B: Please input your 6 digit PIN code followed by the pound key. Thank you. Please select an option. Thank you. You have selected withdrawal. A: Yeah, yeah, I know what I selected. Just gimme my money! B: Please type the amount you would like to with- draw. Thank you, you want to transfer 10000 USD to the World Wildlife Foundation. If this is correct please press 1. A: No, no! Stupid machine, what are you doing! No! B: Confirmed. Thank you for using our bank! Please remove your card from the slot. Goodbye! C: Danger, danger! The exits have been sealed and the doors will remain locked in until the local au- thorities arrive. Thank you for using our bank. Have a nice day. A: No! E: Okay, so, that was a little easier to understand, um… M: Uhu. E: But, Marco, there’re some interesting phrases here, some instructions that you commonly, um, read or hear when you’re using a bank machine. M: So, why don’t we take a look at these phrases in “fluency builder”? Voice: Fluency builder. E: Well, the bank machine told this guy to insert your card. M: Insert your card. E: Insert your card. M: So, this verb - to insert. E: Uhu. M: To place inside. E: Exactly, so, what else can we insert? M: Well, for example, commonly you insert a disc. E: Yeah, in your computer. M: In your computer, right? E: Yeah, or maybe insert a CD into your CD-player. M: Or DVD into your DVD-player. E: Yep. M: Alright, so, to insert something - to put inside. E: Yes. M: So, he had to insert his card into the slot. E: And then the bank machine asked him to select an option. M: Select an option. E: Select an option. M: Now, this is a very common, ah, phrase that you will… not only see in ATMs, but basically everywhere, right? E: Like in… computers or the Internet or many… many things where you’re dealing with machines. M: Uhu. So, it’s a… it’s an order that says “well, select one of these choices that you have”. E: Make a choice. M: Make a choice. E: Yeah. M: Select an option. Alright, so… two simple phrases, but very useful and also very high frequency, right? E: Yeah, and you know what? When you use phrases like these two, it sounds quite professional, doesn’t it? M: Yeah, a… a little bit formal. E: Uhu. M: Okay. So, why don’t we listen to our dialogue for the last time and then we’ll come back and talk a little bit more. A: Stupid girl, making me spend so much money, now I have to get it from the ATM... B: Hello, welcome to Universal Bank. Please insert your card into the slot. A: I know where to put my card! Stupid machine, talking to me like I’m an idiot... B: Please input your 6 digit PIN code followed by the pound key. Thank you. Please select an option. Thank you. You have selected withdrawal. A: Yeah, yeah, I know what I selected. Just gimme my money! B: Please type the amount you would like to with- draw. Thank you, you want to transfer 10000 USD to the World Wildlife Foundation. If this is correct please press 1. A: No, no! Stupid machine, what are you doing! No! B: Confirmed. Thank you for using our bank! Please remove your card from the slot. Goodbye! C: Danger, danger! The exits have been sealed and the doors will remain locked in until the local au- thorities arrive. Thank you for using our bank. Have a nice day. A: No! M: Alright, Erica, so, what about you? Have you ever had any problems with the ATM? E: I’ve had more problems than I can count. M: Hehe. What happened? E: Well, I think in the last two years I’ve probably lost about seven bank cards in an ATM. M: Really? E: Yeah. M: You forget it… E: Yes. M: In the slot. E: Yeah, I leave it in the slot and then walk away from the bank machine and… no bank cards. M: Well, I think now the ATMs, because this is the common problem… E: Yeah. M: Um, now they have like a little alarm that when you take out your money and everything, it just starts beeping and beeping until you take out your card. E: Yes and I like the bank machines that actually give you your card first… M: Uhu. E: And then give you your money. M: Ah. E: Cause if they give me my money first, that’s all I want, right? M: Hehe. E: So, I run away with my money and leave my card in the bank machine. M: Hehe. Right, I think that’s a good idea. I’ve… I’ve never seen that before, though. E: In Switzerland they have them like that. M: In Switzerland. E: Yeah. M: Or what about the ATMs that you only have to swipe your card? [NOTE: in this context swipe means to pass your card through a special machine/device that “reads” the information encoded in a magnetic strip of the card] E: Oh, yeah, I’ve done that as well and also ruined a bank card with that. M: Hehe. E: I swiped it too many times, put in a wrong PIN code and… M: It blocked your card. E: Yeah, terrible. M: Hehe. Well, what about you guys? I su… I’m sure everyone has some experience or some inconvenience with ATM machines. So, why don’t you come to our website and tell us all about it? E: You can also find lots more resources on our website, uh, to help your learn English, so check it out and until next time… M: Good bye! E: Bye!