Yes, I had the same experience with the same bank, the bank that never sleeps. I had to pay the interest for an extra month and 15 days! because, they say - their policy is like that!!!... (penalty 4% on Balance Principal Int for 45 days) amounting to a big figure.
My advise is not to go to any of these Hi-Tech banks, instead approach our own Nationaled banks or Co-Op banks, they offier good interest rates with-out any of these hidden tricks.