What would be the net annual cost of the following checking accounts?

a$.$ Monthly fee, $$4\mathrm{.}50$; processing fee, $25$ cents per check; checks written, an average of $17$ a month. $($Do not round intermediate calculations. Round your answer to $2$ decimal places. Input the amount as a positive value.$)$

b$.$ Interest earnings of $3$ percent with a $$550$ minimum balance; average monthly balance, $$800$; monthly service charge of $$15$ for falling below the minimum balance, which occurs three times a year $($no interest earned in these months$).($Do not round intermediate calculations. Round your answer to $2$ decimal places. Input the amount as a positive value.$)$