Question

Banks use negative balances to represent when the customer owes the bank money and positive balances to represent when the bank owes the customer money.
Justin has a balance of 0 dollars at his local bank.

What does a balance of 0 dollars represent?

Justin owes the bank money.
The bank owes Justin money.
Neither Justin nor the bank owe each other money.
Justin gave half of his money to charity.

Answer 1

I agree with her. Neither Justin nor the bank owe each other money.
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Answer 2

Neither Justin nor the bank owe each other money.