James has $⁢1500 to open a checking account. He can maintain a monthly balance of at least $⁢1000. He plans to use the ATM four times per month at his local branch. He does not overdraft his account and plans to use direct deposit. He also plans to pay his bills online and he averages 8 bills per month. Bank Account Terms and Conditions A B C D Minimum Balance 0 dollars 500 dollars 3000 dollars 1000 dollars Interest 0 percent 0 percent 0 point 0 2 percent 0 percent Overdraft Fees 0 dollars if linked with savings account or 40 dollars per overdraft 35 dollars per overdraft 25 dollars per overdraft 25 dollars per overdraft ATM Usage/Fees 0 dollars for all ATMs 0 dollars for ABC bank ATMs / 3 dollars for non-ABC bank ATMs 4 dollars per transaction 3 dollars per transaction Monthly Fee 10 dollars or 0 dollars with direct deposit 0 dollars 0 dollars 12 dollars Annual Fee 0 dollars 36 dollars 0 dollars 0 dollars Online Bill Payment free free free 0 point 5 0 dollars per transaction Deposit to open 50 dollars 50 dollars 500 dollars 1 dollars comma 000 Check Limits unlimited 50 per month unlimited unlimited James wants an account with the lowest fees. Which checking account would be best for James?