i just blew 1/3 of my earned interest from last year, $12. i scheduled a payment with chase bank and had the wrong checking account number (i was missing some extra fancy digits) and since i wasn’t notified until two days before the payment was due, i don’t have time to get it to them via regular mail. to do their check-over-the-phone service, they charge me $12. to be late would cost $35 dollars. i am not a happy camper.