Truncation vs Rounding

I received a notice yesterday from a bank with updates to the account agreement. Normally these are small annoying changes in favor of the bank, but nothing to really worry about. This isn't either, but made me laugh.

When we calculate your [account-crediting payment], we will round down to the nearest cent, rather than rounding to the nearest cent.

I guess this finally answers Joanna's How is that not stealing? It's OK when the bank adds it into the account agreement.