Jessie wants to open a checking account to pay bills. She wants a starter book of checks, plus free online bill payment services. She analyzes the following statements of fees from Good Bank and Great Bank. Good Bank Features and Fees: monthly fee of 5 dollars, free online bill payment, free debit cards, second copy of statement 7 dollars, 200 checks for 8 dollars, network A T M usage: 2 transactions per month free, non-sufficient funds 26 dollars, 3 dollars for each additional network A T M transaction.

Great Bank Features and Fees: free online bill payment services, free debit card, network A T M usage 1 dollar and 50 cents, 6 dollar monthly fee, non-sufficient funds: 24 dollars for the first time in any month, 26 dollars the second time, and 30 dollars in the third subsequent times in the same month, start check supply 5 dollars, replacement statement copy 4 dollars, fees are subject to change.

Based upon past experience, Jessie expects to accidentally overdraft the account about 3 times per year, unfortunately all in the same month, due to unexpected charges and miscommunications. She expects no 2nd copies of statements, and to use network ATMs 4 times per month with either bank. Based on the tables of fees, which bank can be reasonably expected to cost Jessie the least amount in fees per year?
a. Good Bank will have the least amount in fees per year.
b. Great Bank will have the least amount in fees per year.
c. Good Bank and Great Bank would have the same costs for Jessie.
d. The fees can simply not be estimated in advance, so no decision should be made.