At 11 months, the charges will add up to $82.50, so you know what after 12 months the account will be in the negative. At 12 months, the charges will be at $90, which means the account will have a balance of -$5
Okay so 6.5% of $14.95 is 0.97175. That rounds to 0.97. And to get the total we just add 0.97 to 14.95. Our answer is 15.92. However if you don't want to round then you would add 14.95 and 0.97175 . This would give you15.92175. Hope this helps!