32. Which statement is the most accurate? (LO9) a) Banks usually extend overdraft privileges only to their largest depositors. b) Bankers know that if they extend overdraft privileges, virtually all their depositors will end up having to pay substantial finance charges. c) Using overdraft privileges is a great way to borrow money, because you won't have to pay any finance charges if you pay off your balance before the end of the month. d) If you have a low checkable deposit balance and your bank has extended you overdraft privileges, then every check, debit charge, or ATM withdrawal puts you at risk of racking up substantial finance charges