Given the following banks:

Bank 1: Neighborhood Partner Community Bank and Trust $35 to open an account. Accrues 1% interest per quarter (compounded quarterly) No monthly maintenance or annual fee. First box of checks (200 total) for free. Free ATM/debit card. Photo on front of card for $4.95 (one-time fee). Low ATM withdrawal fees: $1.00 per transaction. Overdraft protection, $22 per transaction. Direct deposit, $6.95 per month. Hours: Mon. - Fri. 8 a.m. - 8 p.m., Sat. 8 a.m. - 5 p.m. Many banking locations, including most grocery stores throughout Oklahoma. Member: OBTA.

Bank 2: OSTCU $5 to open an account. Accrues 3 percent interest per year, compounded annually. No monthly maintenance fee. Annual fee of $25.00. ATM/debit card with photo on the front, $8.95 per month. Online banking and smartphone app, $5.95 per month. Free direct deposit and online billpay. Good Grades, Get Money program for students. Earn money for your grades! Free checks for students. Many convenient bank and ATM locations, throughout the city and the state. Hours: Mon. - Fri. 8 a.m. - 6 p.m., Sat. 9 a.m. - 12 p.m. Member: NCUA.

Bank 3: First National Bank of USA $50 to open an account. $6.95 monthly maintenance fee. Free checks. Free ATM/debit card with free photo identification on the front. Free online banking and smartphone app. Free direct deposit. Overdraft protection, $30 per transaction. ATMs at 11,000 locations in the United States and abroad. Hours - Mon. through Thurs. 8 a.m. - 4 p.m., Fri. 8 a.m. - 5 p.m., Sat. closed. Three convenient bank locations Member: FDIC

1. Per year, which bank provides the lowest total amount of the following: maintenance/annual fee, debit card cost for a photo ID, and direct deposit fee?

2. Which bank provides someone with the highest value interest bearing opportunity for their account?