Sandy Uses Online Banking, and Her Bank Charges Her $4

Sandy uses online banking, and her bank charges her $4.99 per month. However, she has seen ads for a competing bank offering free online banking services. She'd like to switch, but she realized that it might be difficult to do because she has several of her bill payments set up as automatic debits. The cost of changing to another bank represents Sandy's _____.

A) incurred costs
B) switching costs
C) effort costs
D) balancing costs
E) committed costs