Spanish to English Bus/Financial Finance (general) Bank accounts

What is the translation of "franquicia" to fit the description provided? My immediate thought was "minimum balance", but you are perfectly entitled to have less than €3,000 in this account, it is just that you won't earn any interest if you have less than that in it.

Franquicia 3.000 euros: las cuentas no generan remuneración por el número de días en el que el saldo se encuentre por debajo de 3.000 euros. Superado este mínimo, la remuneración se aplica desde el primer euro.