Jing is considering whether to get a checking account at East-West Bank or at Commerce Bank. At Commerce Bank, she will earn interest of 1% if she keeps a balance of $2,000 but there are no subsidies on any services. At East-West Bank, they pay 2% interest on monthly average balances over $5,000 and they do not charge for foreign exchange transactions even though each forex transaction cost the bank $4. Jing has a monthly average balance of $2,500 during the school year (September to May), but only $400 in the summer (June, July and August). During the school year she does one foreign exchange transaction a month. Which bank will she open an account with? (Show all your work for full credit.) ____________.