James had $72 in his bank account. He bought a $75 painting from a local artist and paid with a check. He thought the artist would take a few days to deposit the check. He knows he will have enough money to cover the amount of the check once his paycheck is deposited, but he received a text notification the next day that his account balance was negative $45. How much was James charged for an overdraft fee? Group of answer choices $40 $42 $45 $48