Here is a letter we received from our bank... the one we trust with our mortgage.
"Your ending balance, from the last month of the accounting history, is
$4672.99. Your required balance according to this analysis should be
This means that you have a shortage of $.01. This shortage may be collected from you over a period of 12 months or more unless the shortage is less than 1 month's deposit in which case we have the additional option of requesting payment within 1 month. We have decided to collect it over 1 months."
It cost the bank 61 cents to mail this letter! Are you kidding me?!?