| Lucas | Hi, I’m interested in opening a new savings account. Could you tell me about your account options? |
| Sophia | Certainly, Lucas. We offer several savings accounts. Our standard account has no monthly fees and offers online banking options. |
| Lucas | That sounds good. What about interest rates? |
| Sophia | The standard savings account has an annual interest rate of 1.2%. We also have a high-yield account with a 2.0% rate, but it requires a minimum balance of $5,000. |
| Lucas | I see. Are there any additional benefits with these accounts? |
| Sophia | Both accounts give you access to our mobile app for easy management and also include a free debit card. |
| Lucas | What about overdraft protection? Is that included? |
| Sophia | Overdraft protection is available. It can be linked to your checking account to cover any accidental overdrafts. |
| Lucas | That would be helpful. Can I also set up direct deposit with these accounts? |
| Sophia | Yes, you can. In fact, setting up a direct deposit can waive any potential fees on checking accounts. |
| Lucas | Great. I think I'll go with the standard savings account for now. What do I need to open the account? |
| Sophia | You'll need an ID, social security number, and an initial deposit of $100. I can help you set it up right now if you're ready. |
| Lucas | Perfect, I have everything with me. Let's set it up. |
| Sophia | Great, I'll just need a few minutes to prepare the paperwork. |