Final answer:
The correct answer is 2) overdraft fee. An overdraft fee is not considered to be a credit to a checking account.
Step-by-step explanation:
The correct answer is 2) overdraft fee. An overdraft fee is not considered to be a credit to a checking account. It is a fee charged by the bank when you spend more money than you have available in your account. It is a debit that reduces the balance of your account.