Final answer:
Interest earned is paid on nontransaction deposits to attract funds, while overdraft fees are charges for negative balances.
Explanation:
Interest earned is the correct option from the list provided. Banks pay interest on nontransaction deposits like savings accounts and certificates of deposit to attract funds. On the other hand, overdraft fees are charges incurred when an account balance goes below zero due to withdrawals exceeding available funds, which is a cost to the account holder.
Transfer into account and direct deposit are common methods to move money into an account, but they do not directly relate to interest earned or overdraft fees.
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