Final answer:
The correct version of the user story is: As a first-time user, I want to access my account and monthly statement.
Step-by-step explanation:
The correct version of the user story is: As a first-time user, I want to access my account and monthly statement.
This user story clearly states the role or persona (first-time user) and the action they want to perform (access account and monthly statement). It does not specify anything about printing, reviewing, or checking the account balance.
Therefore, the correct version is the third option: As a first-time user, I want to access my account and monthly statement.