If her balance is below 10, Chris must pay a few.
b = balance
Her balance was -$3.46. Then, Chris made a deposit, d, in ample time, so she did not have to pay a fee.
b + d > 10
b = -3.46
Inequality: -3.46 + d > 10
d > 10 - -3.46
Solved: d > 13.46
Meaning: The amount that Chris deposits has to increase her balance, so that it's not less than $10.