Minimum Balance	\$500	\$250	\$300
Interest	0.2\%	0\%	0.02\%	0\%
Overdraft Fees	\$0 if linked with savings account or \$40 per overdraft	\$35 per overdraft	\$25 per overdraft	\$25 per overdraft
ATM Usage/Fees	\$0 for all ATMs	\$0 for ABC bank ATMs, \$3 for non-ABC bank ATMs	\$4 per transaction	\$3 per transaction
Monthly Fee	\$10 or \$0 with direct deposit	\$0	\$0	\$0
Annual Fee	\$0	\$10	\$0	\$12

Which checking account would be best for Terrell?