Story goes: when moving from Upstate New York to Colorado, I "attempted" to close out my account with the local bank; however, their mystical "you-need-us" powers were too great for my gullible defense. So during and after the move, I simply forgot about it and found a new bank. Fast-forward two years and I discover that I am now in debt to said credit union, on account of a policy stating something to the effect "in the absence of a monthly direct deposit, we will deduct x dollars from your account".
I grudgingly pay the amount due, and interestingly enough, have certifiable proof of riddance in the form of a one cent check! Now the question bears mentioning; what things can you buy with a penny?