1a. Gabriella uses these services:
Checking (she has an account)
Debit card
1b. At A+ Bank, Gabriella's monthly charges will be
$1 (for checking) + $2.50 (for debit card) = $3.50
At NextGen Bank, Gabriella's monthly charges will be
0 (for checking) + $0.50*20 (for debit card) = $10.00
1c. A+ Bank is a better deal for Gabriella. The fixed fees there are lower than the variable fee at NextGen Bank because she uses her debit card so much.