If bank A borrows $10 million from the Fed, what happens to reserves in bank A?.  In the banking system? Please explain.

The federal funds rate is:   Select an answer and submit. For keyboard navigation, use the up/down arrow keys to select an answer.   a   the interest rate that the Federal Reserve charges banks when banks borrow reserves from the Federal Reserve.   b   the market interest rate that banks pay each other when they borrow reserves from each other.   c   the interest rate the the Federal Reserve pays on banks' required reserves.   d   the interest rate that the Federal Reserve pays on banks' excess reserves.

"Banks hold 100 percent of their customers' deposits as reserves." Is the previous statement correct or not?

thanks just looking for some assistance