Answer the Question below with explanation please

1. At the beginning of the month, the household deposits $3,000 in its checking account and the other $6,000 in a bond fund. Assume the bond fund pays 3% interest per month. After 10 days, the money in the checking account is exhausted, and the household withdraws another $3,000 from the bond fund for the next 10 days. On the 20th day, the final $3,000 from the bond fund goes into the checking account.

Which approach should the household use?

1-If the transfer expense is $230.

2-If the transfer expense is $400