Answer:
<u>b. ll only</u>
<u>Explanation:</u>
Remember, <u>service fees </u>often refer to an amount deducted to pay for the cost of providing particular services, such as ATM service charges, etc.
We can this conclusion because if one decides <em>to deposit money in large batches rather than in small amounts;</em> they will be directly subjecting themselves to excessive charges. Consider, most financial institutions often charge higher fees for larger deposits.
Also, if one decides <em>to avoid using your debit card online </em>they will tend to spend more using traditional cash methods which require increasing the number of one's ATM withdrawal.
However, by<em> trying to limit the number of withdrawals you make from out-of-network ATMs</em>, one saves him or herself of excessive service fees.