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Well, if someone misunderstands and sends their payment by 1:45ET or 1:45CT, it's not a problem for the bank.

• hinkley 2y ago
  It’s never a problem for a bank, because they’re depend on late fees to hit their profit projections.
  • lmm 2y ago
    A late fee that a customer quietly pays is a win. A late fee that a customer feels you screwed them over on and kicks up a fuss about can be more trouble than it's worth.