What is the woman doing?

M: Good morning. What may I do for you?
W: Good morning. Fm here to open an account. My name’s Christine Sumner. My husband and I have just moved here from California.
M: Oh, welcome to our city. Do you want a joint account or separate account?
W: We’ve always had a joint account. Tell me about your checking account policy. Is there a minimum balance required?
M: Yes and no. There’s no minimum deposit required, but if you open an account with five hundred dollars or more and keep at least that much in it at all times, then there is no service charge.
W: I see. How much interest do you pay?
M: The rate varies. Right now, it’s four percent. It has gone as low as two and half percent and as high as seven percent.
W: Are there any charges?
M: Yes. If the balance is below five hundred dollars, there will be a five-dollar service charge. In addition, if a check of yours should be returned for insufficient funds, there would be a charge for that. Now, if you don’t mind, there are a couple of forms for you to complete.
W: I’d like to open this account with a deposit of two thousand dollars.
M: Yes, ma’am.
W: Thank you very much for your help.