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 travelers’ checks are free as well.
M: Which choice do you prefer?
L: 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.