[colanderman]

ACH fees almost certainly mean it's not "worth" it to pull back the 4 cents.

But I can see people being frustrated by verification payments throwing their bookkeeping off, especially by a (literally) random amount.

[Scoundreller]

I couldn’t tell if the numbers were just randomly low or decidedly low.

I’m used to the amounts being larger and thinking “hey, a free dollar almost”, but if they are random, 1 cent and 1 cent are entirely possible.

[bluGill]

random under $1 in every bank I've had do this. It better be a good random algorithm, if it isn't you can defraud a lot of people fast. (I won't say how, but I think anyone here can guess quickly)