A letter arrived in the mail informing me that my checking account was overdrawn. The letter informed me that my monthly $30 ISP charge via electronic transfer was paid and there was no penalty fee for the overdraft. I don't keep any money in this account, I just put money in to pay the monthly ISP bills, which I discovered are now deducted on the 5th instead of the 15th. I went to the bank to deposit some money and asked the teller to check the transaction. She said the bank had paid the charge, but now I was overdrawn 39 cents. I told her, "so the bank spent 37 cents postage to tell me I was overdrawn 39 cents?" She laughed.