Clerk: Good afternoon.  May I help you?

Vladimir Melnik: Good afternoon.I'm here to open a checking account. My   name is Vladimir Melnik.  My wife's   name is Natalya.

Clerk: Do  you want a joint account   with your spouse?                       

V.M.: Yes,I do. Tell me about  your checking account policy. Is there a  minimum balance required?                ­

Clerk: If you open a checking account you are supposed to maintain an average daily  balance of  $1000 .      
As long as you keep this average balance you won't be charged for banking services. Should you fall below     
the 1-thousand-dollar limit,you would have to pay a service  charge of  $6  a month, and each of your transactions would be charged separately.        

V.M.: What is  meant by transaction  charge?                                 

Clerk: You'll have to pay  25 cents  for each check made out by your spose  or you, and also  25 cents  for each  cash withdrawal. But you  can easily avoid paying these charges by maintaining one thousand dollars or more on  your checking account.                  

V.M.: I'd like to know how much interest you pay.                     

Clerk: Interest is paid if your average daily balance is over 2500 dollars.Unless you fall below 2500 dollars, you'll be paid  6 1/2%  inte-    
rest. We credit the interest you've  earned automatically to your account.   

V.M.: I would like to open a cheking account with a deposit of 1500 dollars. Is it okay?                  

Clerk: It is perfectly all  right.  You can order your check books after having filled out an application and your deposit ticket.

V.M.(fills out application and deposit ticket): Is anything wrong?     

Clerk: Everything is correct. Now  you can order your check books.         

V.M.: I have a question.What are the preconditions for getting a credit card?                           

Clerk: You must have an income of  15,000 dollars or more.
                
V.M.: What proof of  income  will you accept?                         

Clerk: Either your last pay stub  or a copy of your tax return. As soon as we have the necessary information, credit cards  will be       
available to you and your wife.        

V.M.: I appreciate your  assistance.