a bank account
Tom no tiene una cuenta bancaria.
Tom doesn't have a bank account.
Nunca he abierto una cuenta bancaria.
I've never opened a bank account.
Quisiera abrir una cuenta bancaria.
I would like to open a bank account.
Usted debe abrir una cuenta bancaria para recibir el pago.
You must open a bank account to receive payment.
Tom no posee una cuenta bancaria.
Tom doesn't have a bank account.