Bryan Searched for a New Bank Prior to Filling Out

Bryan searched for a new bank prior to filling out his direct deposit form at his new employer. He noted that 2-4-7 Bank offered higher interest rates on savings accounts and money market accounts; and it offered other amenities such as online banking and funds transfer that many traditional banks offer. What is the most logical reason that 2-4-7 Bank can compete for customers by offering higher interest rates?

A) The bank probably cannot compete this way, for long. In order to build its market share, it is offering this as a one-time promotion.
B) Its bank reserve requirement is less, due to the fact that the assets it is holding are not as substantial as bigger, traditional banks.
C) The bank has no buildings and locations. Due to low overhead, it is able to share the savings it realizes with its customers.
D) The bank pays its employees less than other banks.