Quote Originally Posted by Rostova
It is not b) just because there is a phrase 'кроме того' at the beginnig. It sounds like in the previous sentence were described the other advantages of checks
'кроме того' has many uses. It may mean "кроме этого факта есть ещё один факт", less likely though. In addition, it can be viewed as pointing to another advantage of the banking system (sentence number one plus sentence number two). In fact, none of the sentences are perfect. It's up to the reader to decide what is more important, traces of coherence or the absence of irrelevancies. d) does not make sense and THIS IS THE REASON why it cannot be the right answer.