<prompt> Human: A few months ago I finished paying off my auto loan that I had through a local credit union. I accidentally left auto pay on through my bank account and now have a 400 credit in my account at the credit union. I plan to take that money back, but I am wondering if I should close out the account, or if I should leave a few dollars there and keep it open.  <response>: I took the money and closed it. Not sure why you add complexity to your life otherwise. 