Mini-Lesson Problem: For Melanie’s 13th birthday, she received $150 in cash from her mom. Her dad took her to the bank to open a savings account. Melanie gave the cash to the banker to deposit into the account. One week later, Melanie deposited another $25 that she had earned as allowance. The next month, Melanie’s dad gave her permission to withdraw $35 to buy new books. Melanie’s dad explained that the bank would charge a $5 fee for each withdrawal from the savings account and that each withdrawal and charge results in a debit to the account.