I had and were putting the money in another type of account which would earn over 1 percentage point less. This change was to be effective on January 1st. They said if I did not like this arrangement, to come in before the first of the year and close out the account.

I came in three days before the end of the year to close out the account. The amount of the check didn't look right, but I was assured by the clerk who spoke broken English that it was okay. I told him I'd have my husband review it and if it was incorrect I'd be in the next day to correct it.

He said okay. The next day I called because they had not paid me the interest earned. They said since I closed out the account before the end of the month (two days early) they did not have to pay the interest. I told them if they had told me this, I would not have closed the account then. I would have waited the two days! They stated that I should have known.

The clerk also stated at this point that he was sure he told me. I told him, once again, doesn't it make sense that if told I was forfeiting interest due me by closing out the account early, I would have waited two days? I told both the clerk and manager that I was never told this bit of information.

They are still unsure of what to do and I'm out money I earned.