“No,” Fiona whispered.

“Your mother came up to window two at ten fifteen this morning and put in a twenty-dollar bill in cash.”

I took my hand off the back of my neck and gripped the steering wheel.

“Why just twenty dollars?” I asked.

“Our system automatically flags and closes joint accounts that sit at a zero balance for longer than forty-eight hours,” Fiona said, her voice barely audible through the phone speaker.

“A cash deposit of any size keeps the account open and active.”