answer: #Person1# wants to open a saving account. #Person2# tells him he has to deposit enough money to write out checks.
documents: #Person1#: I want to open a saving account, sir. What's the proper procedure?
  #Person2#: First, you fill out the application form and then we'll issue you a passbook.
  #Person1#: Is there any minimum for the first deposit?
  #Person2#: No, Even a dollar is all right. Here's your passbook, sir, just sign your name on it.
  #Person1#: What is the annual interest rate?
  #Person2#: It varies from time to time. At present it is 6 %.
  #Person1#: By the way, can I open a checking account too?
  #Person2#: By all means. But you have to deposit enough money before you can write out your checks.