Moje sestra říká, že bankomat u náměstí je dnes zavřený, proto raději jde do banky.

Že introduces a subordinate clause, and here it means that:

• Moje sestra říká, že... = My sister says that...

After verbs like říkat (to say), myslet (to think), vědět (to know), Czech normally uses že to introduce what is being said or thought.

English often drops that, but Czech usually keeps že.

In Czech spelling, a subordinate clause introduced by že is separated by a comma.

So:

• Moje sestra říká, že bankomat...

That comma is standard and required.

Yes, both moje sestra and má sestra mean my sister.

The difference is mostly style:

• moje sestra sounds very common and neutral in everyday speech
• má sestra can sound a bit more formal, literary, or emphatic in some contexts

For a learner, moje sestra is a very safe and natural choice.

Czech often leaves out subject pronouns when they are clear from the verb form or the context.

Here, jde means he/she/it goes. Since the sentence already mentions moje sestra, it is obvious that jde refers to her.

So Czech often says:

• Moje sestra... jde do banky

  rather than repeating ona.

Using ona here would usually sound unnecessary unless you want special emphasis.

U usually means by, near, or next to.

So bankomat u náměstí means:

• the ATM by the square
• the ATM near the square

It does not necessarily mean that the ATM is actually on the square itself.

If you wanted to say it is physically on the square, na náměstí might be more appropriate.

The preposition u takes the genitive case.

So in principle:

• u + genitive

The noun náměstí is a neuter noun, and in the singular its nominative and genitive forms look the same:

• nominative: náměstí
• genitive: náměstí

So it may look like nothing changed, but it is still genitive after u.

Because do takes the genitive case and usually expresses motion into something.

• do banky = to / into the bank

The base noun is:

• banka = bank

Its genitive singular form is:

• banky

So:

• jde do banky = she goes to the bank

Compare:

• do banky = movement to the bank
• v bance = in the bank, inside the bank

This is a very common Czech question.

• jít / jde = to go, one specific trip, going now
• chodit / chodí = to go habitually, repeatedly, on foot in general

Here the sentence describes a specific situation today:

• the ATM is closed
• so she goes to the bank instead

That is why jde is used.

Compare:

• Dnes jde do banky. = She is going to the bank today.
• Chodí do banky každý týden. = She goes to the bank every week.

Raději means rather, preferably, or instead in this kind of sentence.

Here it shows preference based on the situation:

• the ATM is closed
• therefore she’d rather go to the bank

So raději jde do banky means something like:

• she goes to the bank instead
• she’d rather go to the bank

It is related to preference, not just simple movement.

Zavřený is an adjective-like form meaning closed, and it is used with je:

• bankomat je zavřený = the ATM is closed

This form agrees with bankomat, which is:

• masculine
• singular
• inanimate

So the form is:

• zavřený

If the noun changed, the adjective would change too:

• banka je zavřená = the bank is closed
• okno je zavřené = the window is closed

Sometimes yes, but the nuance is a bit different.

• bankomat je zavřený describes the ATM itself as closed or unavailable
• je zavřeno is a more impersonal expression meaning it is closed, often used for shops, offices, restaurants, and similar places

For an ATM, je zavřený is more natural in this sentence.

Czech word order is flexible, and dnes can move around depending on emphasis.

Here:

• bankomat u náměstí je dnes zavřený

means the ATM by the square is closed today.

This placement is natural and neutral. But Czech could also say:

• Dnes je bankomat u náměstí zavřený.

That version puts more emphasis on today.

So the meaning stays basically the same, but the focus changes slightly.

Proto means therefore, so, or for that reason.

It connects the second part of the sentence to the first:

• ATM closed → therefore she goes to the bank

So:

• ..., proto raději jde do banky.

means:

• ..., so she’d rather go to the bank.
• ..., therefore she goes to the bank instead.

It expresses result or consequence.

Because the sentence is separating two clause-like parts:

• Moje sestra říká, že bankomat u náměstí je dnes zavřený
• proto raději jde do banky

The comma helps show the pause and the logical connection.

In very careful style, many speakers might also write:

• ..., a proto raději jde do banky.

That version makes the connection even more explicit.

That is normal Czech word order for this kind of predicate.

The structure is:

• bankomat = subject
• je = is
• dnes zavřený = closed today

Putting zavřený near the end is very natural because it carries important new information.

Czech often puts the most informative or new part later in the clause.

Yes. Czech often uses a noun plus a prepositional phrase to identify something:

• bankomat u náměstí = the ATM near the square
• banka na rohu = the bank on the corner
• restaurace u nádraží = the restaurant by the station

So this is a very natural way to specify location without needing a relative clause like the ATM that is near the square.