A: which service offered by your band do you use most? B; 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 form once currency to another. I often travel abroad, you see. A: do you ever ask you bank for traveller's cheques? They are much safer than carrying lots of cash around. B: I sometimes use traveller's cheques, but sometimes I travel to countries where they are hard to exchange for cash. A: do you use your bank to pay your utility bills? I use direct debit. B: yes, I do. It save me a lot of time. I also have standing orders for my subscriptions to magazines. A: 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. B: 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. A: I have a deposit account with my bank. There are some restrictions on withdrawing money, but the interest rate is much higher. B: 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. A: that's great. But I prefer to put my money somewhere where the returns are more certain.