Context: When asked how they were overdraft fees , as I had let the check clear 5 business days before using it , there was no answer . They just wanted to take money . My brother had turned 18 recently , and went to the bank rather frequently to deposit and withdraw money .

Question: what may happen before using a deposited check ?
Options:
0. I would pay overdraft fees
1. I would give it a few days to be cleared
2. None of the above choices .
3. I would have my brother turn 18
Answer: 1