Its very unlikely any of those banked funds would have made its way to a savings account. The overpayments made that eventually added up the sum would have been spent on various circumstances/items if not used to bank on utility bills. No different than how I view cracking a $20 at a store, might as well kiss that $20 goodbye regardless of the spare change given back after purchase. With this thought process currently the overpayment represents the money I would have spent anyways but didn't. No interest is earned but peace of mind is given with knowing there's no worries about utility payments for awhile if shit were to hit the fan.
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