Rubio is beginning his first career-based job and will be earning a regular salary of $2,750 per month. He plans to have his pay deposited directly to a bank account. Since he is just beginning, he has very little cash with which to open an account. Rubio is interested in online banking services since he will be renting an apartment and paying regular bills. He also plans to open a savings account to eventually provide overdraft protection for his checking account. He plans to make minimal use of ATM’s. Analyze the offerings of the two different banks and determine which bank will be the best choice for Rubio.