If the disclosure was accurate based on the account description, the fact that you have allowed the customer to take monthly payouts does not affect the accuracy of the APY. And, as Randy said just above your post, there's no "cure" for this non-problem, anyhow. If you see something that needs fixing so it won't happen again, go ahead and clean up procedures. But as for this account, drop the matter, and move on to something worthy of concern.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8