Sounds interesting...and in this case, does this point apply? what could I do?

b. Search for “Hbd last interest payment” and lookup the data there. For extra points, you may also want to check the date of your “Savings hbd last interest payment”. If either of these dates is shown as “1970-01-01 00:00:00”, then it means that the associated HBD balance has never yet received an HBD interest payment.