Use of English

file

Unit 3: Banking
Unit 3: Banking

1. modal verbs

2. vocabulary: banking
terminology
Explanation:

As we said before (UoE file, Unit 1) we

use these forms with verbs to add a
special meaning: necessity, obligation,
advice, suggestion, opinion and to talk
about possibility/ability or prohibition
in the present, the past or the future.

Examples
“He must leave work at 6:00 p.m.”
“I had to check my account due to a
fraud alert.”
“Ann can’t go to the bank for you. She is
sick.”

Note that there is no final -s on modal

forms in the third person singular.
 Here are all the modals you are studying
in this unit (and some more).

obligation necessity lack of necessity prohibition

have to mustn’t
have to need to can’t
don’t/doesn’t have to
must
e.g. I must join online e.g. I need to have a e.g. I don’t have to e.g. I mustn’t be late.
classes three times a camera and a record the sessions.
microphone in good Teachers do.
week.
conditions.

advice permission obligation possibility ability

should may may can
ought to
have to
can must might be able to
Must could
e.g. I must do e.g. I can write and
e.g. I should review e.g. I can use a e.g. I may need to
asynchronous speak in English
the lessons before dictionary in class leave the session fluently.
class. activities. early.
The structure of most of the
modal verbs is the same:

affirmative negative questions

[subject + modal + main verb in base [subject + modal in negative + main [(wh word) + modal + subject +
form...] verb in base form...] verb...?]

• The banks should be more • Beth cannot meet us tonight. • When must we invite Paul?
generous. • We mustn’t leave our houses. • Should we ask someone to help
• We could get a visa quickly. us?
In the case of “have to”
and “be able to” the have to
structure is different. affirmative negative questions

[subject + have/has/had to + main [subject + don’t/doesn’t/didn’t [(wh word) + do/does/did + have to

verb in base form...] have to+ main verb in base + verb...?]
form...]

• She has to open an account. • Fortunately, we didn’t have to • Where do we have to turn in the
• My parents have to see a go to the wedding. homework?
doctor soon. • Clients don’t have to close • Does she have to be careful?
their accounts now.

be able to
affirmative negative questions

[subject + is/am/ are able to+ [subject + isn’t/am not/ aren’t able [(wh word) + is/are/am amle to+
main verb in base form...] to+ main verb in base form...] verb...?]

• We are able to explain this • The president isn’t able to • How are you able to do that?
clearly. open the markets yet. • Is he able to understand why
• She is able to solve difficult • I am not able to sleep well. this is happening?
math problems.
Do I have to change clothes for the party?

Of course. You can't go like that. You need

to wear a suit and tie

The doctor says I MUST lose weight.

But I can't. I love to eat. I'm never able to stay

on a diet.

He's right. You really should lose at least twenty pounds.

Join a diet club. My brother had to join one.

It helped him a lot.
Possibility or certainty | Johnny Grammar
| Learn English | British Council
https://www.youtube.com/watch
?v=TteUSZoDW7Q

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 Choose the correct modal verb to complete the sentence. Make sure to put the verb in the correct tense (past or present).

1. She _____________ finish the essay yesterday because her teacher asked her to do so.
must / have to
2. You _____________ come back in the afternoon. All classes have been cancelled.
3. You _____________ take a break! You’ve been studying too long. can’t / mustn’t
4. _____________ you speak Spanish when you were 8? can / be able to
5. You _____________ tip a taxi driver, it’s optional. don’t have to
6. My brother David is very talented. He _____________ hold his breath for 3 minutes. It’s amazing!
7. The teacher yelled at me yesterday. She said, “Sally! You _____________ do all of your homework or you will fail this semester
of school!”
8. You _____________ be late for the exam tomorrow! It’s very important for your educational future.
9. “Phoebe, you _____________ accompany me to the party yesterday. I know you don’t like social gatherings, but it was very
nice that you decided to go.”
10. Peter _____________ ride a bike when he was only 3 years old.
11. We _____________ play video games after school for more than an hour when I was a child. My mother always thought that it
could made us intellectually stupider.
12. My father told me that I _____________ go to the movie theatre with you tomorrow night.
Exercise 2. Circle the correct modal verb that expresses the same meaning as the first sentence.

1. We are forbidden to leave our car here.

We don’t have to / mustn’t leave our car here.

2.I recommend this book to you. It’s fantastic.

You have to / can read this book. It’s amazing!

3. I was very good at art when I was younger.

I could / had to paint very well when I was little.

4. Diving isn’t possible in the pool. It’s too shallow.

You mustn’t / aren’t able to dive in the pool.

5. It’s not necessary to come to work tomorrow but you can come for overtime if you want.
You don’t have to / mustn’t come to work tomorrow but we’ll pay you overtime if you want.

6.Is it OK if I turn on the television?

Can / Must I turn on the television?
1. apply for a loan
2. make a deposit
3. cash a check
4. exchange currency
5. make a withdrawal
6. open an account
7. debit card
8. teller
9. maintenance fee
10. minimum balance
11. checkbook
12. debt
13. overdraft
14. online transactions
2a. Vocabulary: Words associated with the topic of banking

Match the definitions with words from Unit 3.

1. You pay this in some kinds of bank accounts.
2. A bank cashier. 1. apply for a loan
3. To take out a sum money from a bank. 2. make a deposit
4. When you own money. 3. cash a check
5. A plastic a card through which payments are made electronically from the bank account of the card 4. exchange currency
holder. 5. make a withdrawal
6. When you want to ask the bank for money. 6. open an account
7. To start having your money in a bank. 7. debit card
8. Where you find checks. 8. teller
9. The transaction you make using the internet. 9. maintenance fee
10. To get money from a check. 10. minimum balance
11. A withdrawal of money in excess from a checking account or a credit card. 11. checkbook
12. To receive new currency after giving some in change. 12. debt
13. the minimum amount that a customer must have in an account to receive some service benefit. 13. overdraft
14. online transactions
2b. Vocabulary: Words associated with the topic of banking

Complete the sentences with the correct words from Unit 3.

1. I want to study an MBA but don’t have money. I think I need to _______________.
1. apply for a loan
2. My wife wants to _______________for my daughter. That way she can start saving her money.
2. make a deposit
3. Many people in difficult situations are going to __________________of 2000 from their AFP’s accounts.
3. cash a check
4. When you travel to a different country, you need to __________________ to have cash.
4. exchange currency
5. Oh no, I lost my ___________! I have to call the bank to block it.
5. make a withdrawal
6. The bank __________________ was very kind. She helped me in everything I needed.
6. open an account
7. The boss is going to __________________ to pay the employees’ salary.
7. debit card
8. If you don’ put your signature on it, you won’t _________________.
8. teller
9. This is the best account, there is no ____________________, it’s free!.
9. maintenance fee
10. We all need to pay our ________. It’s unethical not to pay them.
10. minimum balance
11. I only have $5 left in my account; I'll have to use my __________ to pay my bills.
11. checkbook
12. The __________________required in this savings account to get all the benefits is $50.
12. debt
13. Most bussiness people have ___________ to pay for the expenses of their companies.
13. overdraft
14. online transactions
 Sources & Credits

● https://thenounproject.com/
● https://www.shutterstock.com/
● https://dictionary.cambridge.org/es/diccionario/ingles-espanol/credit
● English Discoveries Student platform
● https://slidesmania.com/es/
● http://walesskag.over-blog.com/article-modal-verbs-102110707.html
● https://www.flaticon.com/free-icon/youtube_1384060?term=video&page=1&position=1
● https://www.ldoceonline.com/dictionary

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