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