You have just moved to a new town and are trying to select a bank. bank a offers a checking account for only $25 per month and requires you to keep a minimum balance of $100 in your account. bank a also charges an overdraft fee of $20, offers the use of a debit card at no charge, and assesses an atm fee of $3 per use. bank b offers a checking account for only $18 per month and requires you to keep a minimum balance of $50 in your account. bank b also charges an overdraft fee of $20, offers the use of a debit card for $0.25 per transaction, and assesses an atm fee of $3.50 per use. if you typically have a balance of $250 in your account, use your debit card 24 times per month, and use the atm four times, which bank would be less expensive over time?