Which sentence is correctly punctuated?

Puget Sound Bank earmarks funds from certain bank revenues for a, “Clean up Puget Sound” educational effort.

The Vermont National Bank created a program, that allows depositors to designate accounts for the bank’s new socially responsible banking fund.

Municipal bonds are much like making loans to cities, counties, states, and territories.

Which sentence is correctly punctuated?

Puget Sound Bank earmarks funds from certain bank revenues for a, “Clean up Puget Sound” educational effort.

The Vermont National Bank created a program, that allows depositors to designate accounts for the bank’s new socially responsible banking fund.

Municipal bonds are much like making loans to cities, counties, states, and territories.