Each of the four types of checking accounts listed in the table above offers free ATM access. Please explain why this free access will or will not apply in all situations when you use an ATM.
(8 points: 2 points for each type of account)

Randall's, inc. has 20,000 shares of stock outstanding with a par value of $1.00 per share. the market value is $12 per share. the balance sheet shows $42,000 in the capital in excess of par account, $20,000 in the common stock account, and $50,500 in the retained earnings account. the firm just announced a 5 percent (small) stock dividend. what will the balance in the retained earnings account be after the dividend?