Option A has no monthly fee, but each out-of-network ATM withdrawal costs the ATM surcharge $2.50 plus an account ATM fee of $0.00. Option B charges a $6.00 monthly fee and reimburses all out-of-network ATM surcharges (assume no other ATM fees). What is the smallest whole number of out-of-network ATM withdrawals in a month that makes Option B the cheaper choice? (Answer as a whole number.)