I have a little problem. There's way too much

in my checking account. I've done the math a zillion times and don't find an error and checked my online statement against my own calculations and still don't find an error. Checked my budget to make sure that I deducted everything that's not due yet to make sure that I've allowed for upcoming online payments. Nope. It comes out right to the penny

...the

that I don't dare spend or transfer to my EF.
Have I mentioned that I don't do numbers?

Good thing I don't work for a bank