Mortgage Running Balance Question

[LuckyRobin]

I was checking to see if my mortgage payment had hit today and all of a sudden there is another column on the statement. It is called running balance. I have had this loan for 12 years and it has only ever had a balance column. The running balance is about $300 higher than the balance. I have no clue what this is about. How can they have two balances? I have never had more than an 80% loan, I have always paid my own property tax and insurance, never had PMI or any of that, so it can't be escrow. I don't understand where this is coming from and the person I need to talk to at the credit union is not in. Anyone run up against this? I tried googling it but am none the wiser. It's bugging the heck out of me to think I might owe an extra $300 for no good reason when I am so close to paying the darn thing off.

[creditcardfree]

Did you send in an extra $300 but not specify for principal? If it isn't a full payment they might hold the money. Not sure that would explain a higher amount owed though.

[kork13]

Are you checking it online? This may just be a reflection of the monthly interest that is accruing. The low balance would be your current statement balance, then the "running" balance may include accrued interest to this point in the month... So it would be your full-repayment balance, if you were to pay off the mortgage today.

[LuckyRobin]

CCF--Oh, you know that is possible. The coupon has a place for extra principal, but I'm not 100% sure I filled it out this time. At least I don't have a clear memory of it. Okay, that makes me feel stupid, but I think that is it. Because it is for the amount that I had meant to send as extra to principal. So the balance would show as higher if they didn't put it to anything.

[LuckyRobin]

Kork13--Yes, I am checking it online, but it has never had that before. But I think CCF figured it out. I didn't indicate that the extra money was to go to principal so they just stuck it there and did nothing with it.