The right side is supposed to be like that, my format on word was acting up. All the questions are there in full.

Use this table for questions 1 and 2 below
	American Credit Union	First National Bank	Hillsboro Bank		Internet Bank
ATM Charges
Home bank	Free	Free	Free		Free
Use of service at competitor's bank	$1	$1	4 free then $2 per use		$3
Checking Account
Minimum balance required to avoid fees	$400	$250	$500		$200
Monthly Maintenance Fee	$13	$7	$6		$5
Per Check Processing Fees	Unlimited	7 free checks, then $1 per check	12 free checks, then $1 per check		$0.50 per check

1. Selecting a Bank. Sean wants to open a checking account with $275. Sean will auto deposit his pay checks into the account and estimates he will write 10 checks per month and use his ATM card only at the home bank. Sean believes he can maintain $225 balance in his account. Which bank should Sean choose to minimize fees?
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2. Selecting a Bank. Spencer plans to open a checking account with her $1,400 tax refund check. She believes she can maintain a $550 minimum balance. Also, she estimates that she will write 12 checks per month and will use other banks' ATMs as many as 5 times per month. Which bank should Spencer choose to minimize fees?
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3. Checking Account Balance. Andy has an account at South Central Savings and Loan. He does not track his checking account balance on a checkbook register. Yesterday evening, he placed 2 checks in the mail, one for $189 and another for $237. Andy accesses his account online and finds that his balance was $538, and all the checks he has written except for the 2 checks from yesterday have cleared. Andy doesnt plan on withdrawing any money from the account for the rest of this month but recalls that he typically pays a $15 service charge per month (charged before the end of the month) and receives no interest on this account. What will Andys account balance be at the end of the month after those checks have cleared?
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4. Adjusted Bank Balance. Mari is balancing her checkbook before the end of the month. Mari received her bank statement in the mail, and she needs to reconcile her bank statement to her check book register. Her balance on the bank statement at the end of last month shows $1,275. Since then, she deposited $400 in her account and withdrew $239 in cash. Mari also wrote 5 checks, 2 checks totaling $199 have cleared the bank. The 3 remaining checks total $209 but wont clear before the end of the month. Mary meets the banks requirements thus avoids paying bank fees.
4.a. What is the ending bank balance on Mari's bank statement at the end of the month?
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4.b. What is Mari's adjusted bank balance at the end of the month?
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5. Selecting an investment. Avery has $5,000 to invest for the future. The local bank offers Avery 3% on a 12-month FDIC-insured CD. Lemonade Inc., a new startup, offers 10.5% on a 12-month investment opportunity. What is the risk premium between the two offers?
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