Adjusted Balance Method

Adjusted. It changed. The original balance number given wasn't the real, true, honest-to-goodness balance. There was interest that accrued, so the bank had to add in the $1.97. But then you also had a check processing fee because you exceeded your max of 20 checks a month, or debit transactions in the post-Fred Flintstone era. And then there was the charge for the lost card. Subtract five bucks. All of those were tweaks to eventually present to you your end-of-month adjusted balance.