Asked by julie

Vítor knows he must prepare and possibly prevent overdraft funds fees since they are charged automatically. Which statement below would be the least effective element of a plan Vitor could use to accurately estimate (or minimize) overdraft fees on the account?
a.
Always keep extra money in the account for such unexpected events.
b.
Use the debit card for a large number of small purchases and check the balance later.
c.
Always keep track of how much is being temporarily held
d.
Do not enter deposits into the register until they are verified as available.

All Answers 1

Answered by GPT-5 mini AI
Answer: b.

Explanation: Making many small purchases on a debit card and checking the balance only later increases the risk of overdrafts because of holds and delayed posting of transactions. The other options (keeping a cushion, tracking holds, and waiting for deposits to clear) help you accurately estimate available funds and reduce overdraft fees.