James had $31 in his bank account. He bought a $41 pair of shoes from a local small business and paid with a check. He thought the business would take a few days to deposit the check. He knows he will have enough money to cover the amount of the check once his paycheck is deposited, but he received a text notification the next day that his account balance was negative $45.
How much was James charged for an overdraft fee? (2 points)
$30
$35
$44