听录音，回答以下问题：
What is the woman doing?

M: Good morning. What can I do for you?
W: Good morning. V [1 ]I’m 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 a separate one?
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: [2] The rate varies.Right now,it’s four percent.It has gone as low as two and a half percent and as high as seven percent.
W: Are there any charges?
M: Yes. [ 3 ] If the balance is below five hundred  dollars, there will a fiv-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 foryou 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.
听前预测
根据题干中出现的interest rate，thebank，charge afee可I,X推断对话很有可能发生在银行。
对话摘要
对话是克里斯蒂娜．萨姆纳从加利福尼亚搬到一个新城市后，去银行开通账户时与营业员之间的交谈。
试题解析
D。本题的出题点在对话的开头。对话开头女士说，她为开一个账户而来，故本题选D。