Question

overdraft fee: $30 per occurrence
minimum balance fee: $0
wire transfer fee: $20 for domestic, $30 for international
savings account interest rate: 0.5% annual percentage yield (apy)
special feature: offers a free safe deposit box for accounts with balances over $2,000
pioneer digital bank
monthly maintenance fee: $0
atm fee: $0 for in - network atms; $1 for out - of - network atms
overdraft fee: $20 per occurrence, with optional overdraft protection
minimum balance fee: $0
wire transfer fee: $10 for domestic, $20 for international
savings account interest rate: 1.2% annual percentage yield (apy)
special feature: provides advanced digital banking tools, including budgeting and investment advice
community trust bank
monthly maintenance fee: $5 (waived with a minimum daily balance of $500 or with a student id)
which bank is most likely the best option for a person that writes a check for more money than they have in their account at least once a month.

Explanation:

Step1: Check Overdraft Fee

Community Trust Bank has an overdraft fee of $30 per occurrence. Pioneer Digital Bank has an overdraft fee of $20 per occurrence. Global Exchange Bank and Sunshine Regional Bank's overdraft - related information is not provided. Since the person writes a check (which may lead to overdraft if not enough funds), Pioneer Digital Bank has a relatively lower overdraft fee compared to Community Trust Bank.

Step2: Check Other Fees

Pioneer Digital Bank has a monthly maintenance fee of $0. Community Trust Bank has a monthly maintenance fee of $5 (waived with a minimum daily balance, but if the balance is not maintained, the fee is charged). Also, Pioneer Digital Bank offers some features like no monthly maintenance fee which is beneficial for account - holders.

Answer:

Pioneer Digital Bank