Can someone simplify 8+3(x-4) for me. I need works, answer, and reasoning

Darcy deposited $390 into a savings account. as long as the account balance remains at or above $150, she does not have to pay a service fee for the account. for how many months can she withdraw $40 a month without having to pay service fees? a) 3 b) 5 c) 6 d) 9