please help me

I have some problem with this program I cant understand the idea!!!!!
A bank in your city updates its customers’ accounts at the end of each month. The bank offers two types of accounts: savings and current. Every customer must maintain a minimum balance. If a customer’s balance falls below the minimum balance, there is a service charge of $ 15.00 for savings accounts and $ 5.00 for current accounts. Assume that the new balance after the service charge can be negative (fall below 0). If the balance at the end of the month is at least the minimum balance, the account receives interest as shown in the following.
Savings accounts6%
Current accounts3%
What is your question? What don't you understand about the description?
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