give correct answer in 5 mins I will thumb up

Which of the following is correct concerning the total amcunt of feserves corrmercial banks have in their accounts at the Fed? Only the francial trantractions astant banks can change the total reservek. If peaple depost they paychecis in their barkes, the tatal reserues will increase. If banks bonow money from each other, the eatal tewerves will increase. Only the financlal transactions anang depesitars can chareen the total reserwes. The Fed connot chargen the total amount of banh muscres. Only the Fed can chance the totat amount of thank reserves