I have a Schwab account that was closed out years ago. Because of the imperfections of the process of closing accounts it has a balance of eighteen cents.

If I call I will face 20 minutes of voice mail. I stubbornly refuse to spend 44 cents to get 18 cents. There is no e-mail address easy to find on the statement. They spend 35.7 cents to mail me a statement with an 18 cent balance. Times 24 months that is $8.57.

I would love to save them the money, if only they would make it a little easier.