Why Unapplied Cash Account got credited in case of bank charges?

Hi,

A foreign currency receipt got cleared in cash management and the details are as follows,

Receipt:

USD Amount- 5,360.00

AED Amount- 19,564.00

Amount Cleared - 19,519.79

The accounting entry generated by system as below.

Cash Dr                  19564.00

Bank Charges Dr           44.21

      To Unapplied Cash        44.21

      To Remitted Cash     19564.00

Ideally the below should be the entry,

Cash   Dr            19,519.79

Bank Charges  Dr      44.21

      To Remitted Cash   Cr    19564.00

Can any body clarify the logic behind the system generated entry.