[speaker001:] I want to open an account.
[speaker002:] What kind of account do you want to open?
[speaker001:] I want to open a checking account.
[speaker002:] Do you know the minimum balance you 're required to keep?
[speaker001:] How much is that?
[speaker002:] You have to maintain a minimum balance of $ 100.
[speaker001:] Really?
[speaker002:] Yes, really.
[speaker001:] What if I can 't meet that requirement?
[speaker002:] You will be fined.
[speaker001:] How much is the fine?
[speaker002:] It 's going to cost you $ 25.