Answer: $12 less.
Explanation:
Given: Ms. Cole pays $2 a month for online banking at her credit union.
In 6 months she will pay = 6 x ($2)
= $12
It means that he balance will be decreased by $12 [as the amount was debited from the balance].
So, the change in the balance of her account if she pays this fee for 6 months = $12 less.