Hello, Alonzo~ Pronunciation you mentioned is right. Though I was quite confused as well on how to pronounce it correctly cause there are 3 situations regarding ㅎ: strong, weak or absent. 1) Strong. To shorten the rule it be -> ㅎ turns right then left, if there any consonant or such sound that has aspirated pair in alphabet then ㅎ will aspirate it. ㄱ+ㅎ( orㅎ+ㄱ)=ㅋ, ㄷ+ㅎ (ㅎ+ㄷ)=ㅌ, ㅂ+ㅎ(ㅎ+ㅂ)=ㅍ, ㅈ+ㅎ (ㅎ+ㅈ)=ㅊ. 익숙하다 –> 익수카다, 박히다 – 바키다, 어떻게 – 어떠케 .. 앉히다 – 안치다 2) ㄴ, ㄹ, ㅁ, ㅇ +ㅎ gives really weak sound 반하다, 말하다, 감히, 생활 N.B. ㄹ+ㅎ (ㄹ is still weakly pronounced) 실학(實學), 철학(哲學), 실하다, 팔힘 3) 받침 ㅎ says buy when ㅎ+ㅇ 좋아, 쌓아, 닿으니까 등.. ㅎ+ㄴ 놓는 (actually its ㅎ->ㄷ+ㄴ = ㄴ+ㄴ) 4) and to be careful about hanja or compound words – ㅎ is pronounced there 경제학(經濟學), 광어회(廣魚膾), 신학(神學), 전화(電話), 임학(林學), 셈하다, 공학(工學), 상학(商學), 경영학(經營學)

What you wrote are the simplified versions. If you prounce your examples slowly, you do hear the ㅎ sound. In normal conversation speed, it might sound like the ㅎ is not pronounced. It is best to say it like it is written (the dictionary lists only the normal pronunciation with the ㅎ sound). * 은행 = [은행] or [으냉]. * 심심하다 = [심심하다] or [심시마다]. If you say 으냉 at a slow speed, it will sound strange and you might even be misunderstood, because we always think '은행' in our head even though the connected syllables make it sound like 으냉.