Clerk: How can I help you today? Mario: We need to open a checking account. C: Well, there are two options. First, our standard checking account has no minimum balance requirement, but there’s a monthly service fee of ten dollars. Laura: What about the other option? C: Our golden checking account has a minimum balance requirement of one thousand dollars, but there’s no monthly service fee. Money orders and traveler’s checks are free as well. M: Which choice would you prefer? L: A ten dollar service fee is a lot of money, but I think we should take the standard checking account anyway. M: I agree. C: Do you want this to be a joint account? L: Yes, please. C: Please fill out these forms. Also, I need two forms of identification. M: Whose name will appear on the checks? C: Both of your names. L: Can we get two ATM cards with this account? C: Certainly.