John Searched for a New Bank Prior to Filling Out

John searched for a new bank prior to filling out his direct deposit form at his new employer. He noted that Twenty/Four/Seven E-Bank, Inc., offered better 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 Twenty/Four/Seven can compete for customers by offering higher interest rates?

A) Twenty/Four/Seven 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) Twenty/Four/Seven has no buildings and locations. Due to low overhead, it is able to share the savings it realizes with its customers.
D) Twenty/Four/Seven pay its employees less than other banks.