dbms design

Question

ABC bank has just ventured into a retail banking system with the functions
Saving Bank Accounts, Current Bank Accounts, Fixed Deposits (FD).
Each function in turn has multiple child processes that work together in
harmony for the process to be useful.
Bank maintains record of each customer, savings bank account transactions
are updated on real-time basis whereas FD transactions are updated on periodic
basis.
Which of the following is appropriate logical design for customers
information ?

(A) Customer_Savings_Acc(Cust_no, Name, Address, Nominee,
Date_of_birth, Contact_no, Introducer_name, Introducer_acc_no)
Customer_Current_Acc(Organisation_Name, Address, Nominee,
Contact_no, Introducer_name, Introducer_acc_no)
Customer_FD_Acc(Customer_Name, Address, Nominee, Contact_no,
Interest_rate, Period_in_months, Introducer_name, Introducer_acc_no)

(B) Customer_Master(Cust_no, Name, Address, Nominee, Date_of_birth,
Contact_no, Introducer_cust_no, Introducer_acc_no, Status)
Account_Master(Account_no, Cust_no, Account_type, Balance_Amt,
dt_of_opening, Status)
Customer_FD_Acc(Account_no, Cust_no, Amount, Interest_rate,
Period_in_months, dt_of_opening)

(C) Customer_Accounts(Cust_no, Name, Address, Nominee, Date_of_birth,
Contact_no, Introducer_cust_no, Introducer_acc_no, Account_type,
Duration, Interest_Rate, Dt_of_opening, Status)

(D) Customer_Master(Cust_no, Name, Address, Nominee, Date_of_birth,
Contact_no, Introducer_cust_no, Introducer_acc_no)
Accounts(Acc_no, Cust_no, Account_type, Amount, Dt_of_opening,
Duration, Interest_Rate)

Comments

A varying degree of confusion between option B) and option D). Coz in option B) and option D).

Since in option B) d account type has been mentioned separately, however in option D) in two tables d entire design is summed up. :)

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account type is also mentioned in option D..

but since period_in_ months is given for fixed deposit in option B,i think B is the correct answer.