2. If the interest rate on a savings account is 0.02%, approximately how much money do you need to keep in this account for 1 year to earn enough interest to cover a single $9.99 Below-Minimum-Balance Fee?

Answer :

shinmin
In the event that the savings funds rate is 0.02%, we can without much of a stretch understand for the measure of cash expected to every year produce the sum to cover the $9.99 expense. We structure the condition as: $9.99 = 0.0002*B, where B is the adjust. Dividing this we willl get 9.99/0.00002 = $49950.

The amount requirement to recover the Minimum-Balance Fee of $9.99 is $49,950.

Further Explanation:

Minimum-Balance:

The minimum-balance refers to the amount that the account holder has to maintain in his/her bank account to receive the benefits provided by the banks such as interest, communication services, standing order services etc. When the account holder fails to deposit the minimum balance in the account, the bank charges a below-minimum balance fee. It ranges from 0.10%-1.5%. The bank uses this ideal fund for the further investment activities and earns the return on them.

Calculate the principle value:

The required principle value to recover the below-minimum-balance fee of $9.99 can be calculated by dividing the below-minimum-balance fee of $9.99 with the interest rate which is 0.02% or 0.0002.  

\begin{aligned}\text{Principle}&=\frac{\text{Minimum balance requirement}}{\text{Interest rate}}\\&=\frac{\$9.99}{0.0002}\\&=\$49,950\end{aligned}

Thus, the amount requirement to recover the Minimum-Balance Fee of $9.99 is $49,950.

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Answer Details:

Grade: Senior school

Chapter: Banking

Subject: Economics  

Keywords: interest rate, savings, account, 0.02%, approximately, money, you, need, keep, account, one, year, earn, enough, interest, cover, single, $9.99, Below-Minimum-Balance Fee, services, minimum balance, account holder.

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