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