When you have a deal with money like dollars, you need to display it under this condition:
-format all number with two digit decimal for cents.
-divide 1000 by ,
-round half down for number with more than two decimal
I approach it using round function inside the number_format function:
number_format((float)round( 625.371 ,2, PHP_ROUND_HALF_DOWN),2,'.',',') // 625.37
number_format((float)round( 625.379 ,2, PHP_ROUND_HALF_DOWN),2,'.',',') // 625.38
number_format((float)round( 1211.20 ,2, PHP_ROUND_HALF_DOWN),2,'.',',') // 1,211.20
number_format((float)round( 625 ,2, PHP_ROUND_HALF_DOWN),2,'.',',') // 625.00