I hate banks.
Of the two banks I have (neither one by choice really, but that's a story for another time), one didn't register a transfer of funds to my account, and the other one is holding onto my cash until the last possible moment [1] (“available on January 7^th my XXX—I don't consider 11:59:59 pm January 7^th to be January 7^th, but alas it's expected; if only I could subject the banks to the whimsy they subject unto me).
XXXXXXX!
A pox on both their houses!