The table shows checking account features and fees for two banks in Yellowbridge. Riverwalk Bank Trust Security Bank Checking account services Free with minimum average monthly balance of $800 Otherwise, $10 per month $12 per month Overdraft protection $39 per incident $35 per incident Person-to-person transfers Free with mobile app Otherwise, $0.80 per transfer $0.50 per transfer Vincent is a student who wants to open savings and checking accounts. He plans to keep an average balance of about $300 in his account. Vincent does not use overdraft protection. He expects to make about 8 person-to-person transfers each month using a mobile app. Which bank is the better choice for Vincent?