Neměla bys jít do banky bez karty a bez peněženky.

Neměla bys means you shouldn’t or you ought not to.

It is a common Czech way to give advice or say that something is not a good idea:

• Měla bys jít. = You should go.
• Neměla bys jít. = You shouldn’t go.

It is usually softer than a direct command. It sounds more like advice, warning, or recommendation than a strict order.

Because the speaker is talking to one female person.

In Czech, this form agrees with the gender of the person being addressed:

• Neměl bys... = said to one man
• Neměla bys... = said to one woman

So this sentence is specifically addressed to a woman.

Bys is the 2nd person singular conditional particle.

It is part of how Czech forms the conditional:

• bych = I would
• bys = you would
• by = he/she/it would
• bychom = we would
• byste = you would
• by = they would

So:

• Měla bys jít literally works like you would have to go / you should go
• In natural English, it is simply you should go

Because after měl/měla bys, Czech uses the infinitive of the main action.

So the pattern is:

• měl/měla bys + infinitive

Examples:

• Měl bys počkat. = You should wait.
• Měla bys zavolat. = You should call.
• Neměla bys jít... = You shouldn’t go...

This is similar to English should go, should wait, should call.

Because do means to / into when expressing motion toward the inside of a place, and do requires the genitive case.

• banka = bank
• do banky = to the bank

Compare:

• Jdu do banky. = I’m going to the bank.
• Jsem v bance. = I’m in the bank.

So:

• do banky = movement toward the bank
• v bance = location inside the bank

Because the preposition bez (without) requires the genitive case.

So:

• karta → bez karty
• peněženka → bez peněženky

This is why the nouns do not stay in the dictionary form.

A few more examples:

• bez auta = without a car
• bez peněz = without money
• bez problému = without a problem / without problems

Czech often repeats the preposition before each noun, especially when the speaker wants the sentence to sound clear and natural.

So:

• bez karty a bez peněženky = very natural
• bez karty a peněženky = also possible in some contexts

Repeating bez makes it very clear that without applies to both things.

English often does the same:

• without a card and without a wallet

Even though English can also shorten it to:

• without a card and a wallet

Yes, that can be understood, but bez karty a bez peněženky is clearer and more standard-sounding.

When Czech repeats the preposition, there is less chance of ambiguity, and the rhythm is often better.

So for a learner, repeating the preposition is usually the safest choice.

Not usually. It sounds more like advice or a warning than a strict ban.

Compare:

• Neměla bys jít do banky... = You shouldn’t go to the bank...
  advice / recommendation

• Nechoď do banky... = Don’t go to the bank...
  direct command

• Nesmíš jít do banky... = You must not go to the bank...
  strong prohibition

So this sentence suggests that going would be a bad idea, not necessarily forbidden.

No, Czech word order is fairly flexible, but the emphasis changes.

The given sentence:

• Neměla bys jít do banky bez karty a bez peněženky.

is a normal, neutral way to say it.

You could also say:

• Do banky bys neměla jít bez karty a bez peněženky.
• Bez karty a bez peněženky bys neměla jít do banky.

These mean basically the same thing, but they put emphasis on different parts.

One important thing: bys is a clitic, so it tends to appear near the beginning of the clause, usually in second position.

Because Czech has no articles like English a and the.

So banka / banky can mean:

• a bank
• the bank

The exact meaning comes from context.

In this sentence, English will often translate it as the bank, but Czech does not need a separate word for that.

By itself, karta just means card. It could mean different kinds of cards depending on context.

In a sentence about going to a bank, it will often be understood as something like:

• a bank card
• an ATM card
• a payment card

If the speaker wanted to be more specific, they could say:

• platební karta = payment card

But in everyday speech, karta is often enough.

Yes, peněženka is a general word for the thing you keep money, cards, and documents in.

Depending on the person and context, English might translate it as:

• wallet
• purse

So in this sentence, without a wallet is a very natural translation, but without a purse could also fit in some situations.