Answer
Find out the how much would he have deposited before interest was credited .
To prove
As given
Fred Merkel went to his bank and opened a club account.
He deposited $19.75 every week.
If he made 5 deposits before interest was credited .
Total money Fred Merkel deposit in the account before interest was credited = 5 × 19.75
= $ 98.75
Therefore the Fred Merkel $ 98.75 deposited before interest was credited.