What would be the net annual cost of the following checking accounts? a. Monthly fee, $4.50: processing fee, 35 cents per check; checks written, an average of 20 a month. (Round your answer to 2 decimal places. Input the amount as a positive value.) Net annual cost b. Interest earnings of 2 percent with a $400 minimum balance, average monthly balance, $500; monthly service charge of $18 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.) Not annual cost