Bank "a" is offering 2% interest and a $100 debit card on a newly opened savings account with a minimum balance of $1,000 for one year. bank "b" is offering 5% interest and a $50 debit card on a newly opened savings account with a minimum balance of $1,000 for one year. assuming you deposit $1,000, which has the better return (interest plus card value) for the first month?