When shopping for a checking account, it is important to compare banks and credit unions based on fees charged. All of the following are reasonable fees, except:

$$5$ fee when account balance drops below $$100$ in a given month.

$$5$ monthly account fee for a nonstudent account holder.

$$0$ fee for use of a debit card.

$$3-$per$-$transaction fee for in$-$network ATMs.