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I have $0 in my Paxum checking account, and $22 on my FC MasterCard.
Ruth told me years ago, at a trade show, that they make their money receiving your funds, and when you withdraw, so withdrawing down to as low to zero as possible makes no difference to them.
As for the $22 on FC: in the US ATMs only dispense $20s... and since I have been in England for the past 2 pay periods, ATMs here dispense 10£s, but I usually build in a little room for currency conversion fees and non-sterling charges. At best, I might have gotten down to $10!
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