Repeat A: What's the minimum balance requirement to open a checking account? B: For our basic checking account you need to maintain a $50 minimum. A: What other types of accounts are there? B: Our premium checking account requires a $100 minimum. A: What makes it premium? B: Your money will earn some interest if it's a premium checking account. A: What happens if I don't have the minimum balance? B: You will be charged $25.00 a month if you have a basic checking account. A: Does anyone offer free checking anymore? B: It's free if you maintain the minimum. A: I don't have a steady job right now. B: Maybe you should just keep your money under your mattress.