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View Poll Results: keep it or report it
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keep it
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4 |
19.05% |
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report it
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17 |
80.95% |
12-29-2011, 01:26 AM
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#1
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Account Disabled
Join Date: Oct 31, 2011
Location: Austin
Posts: 24
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bank error in my favor
im a lil drunk from dt so please disregard the bad grammar. so i noticed a bank error in my favor where i go 840 dollars extra in my acct today deposited yesterday (or posted yesterday) 760 in cash 80 from a check from a local business. so i am assuming the cash is from them also. what probably happened is either the teller punched in wrong acct number or the person wrote the wrong acct number. my question is should i keep it or report to my bank
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12-29-2011, 01:57 AM
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#2
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Lifetime Premium Access
Join Date: Aug 22, 2010
Location: austin
Posts: 683
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They will be able to track the misdirected deposit to your account and reverse it. You will probably feel better about it if you report it, as the end result is the same.
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12-29-2011, 07:03 AM
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#3
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Valued Poster
Join Date: Apr 10, 2010
Location: Austin
Posts: 137
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Quote:
Originally Posted by Billy_Saul
They will be able to track the misdirected deposit to your account and reverse it. You will probably feel better about it if you report it, as the end result is the same.
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That is correct, even if you withdraw it they will still charge it back to your account. There are no freebies when it comes to this.
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12-29-2011, 07:26 AM
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#4
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Account Disabled
User ID: 113461
Join Date: Dec 17, 2011
Location: Traveling the U.S.
Posts: 161
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They will find the error, and take the money out of your account. I'd go ahead and report it now before you get into hot water with possible returned checks, etc by taking it out and not actually having that money.
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12-29-2011, 08:36 AM
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#5
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Valued Poster
Join Date: Dec 31, 2009
Location: Allen Area, Texas
Posts: 1,595
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I've had this happen to me both ways several times, the bank has always caught it and reversed it.
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12-29-2011, 08:47 AM
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#6
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Valued Poster
Join Date: Apr 30, 2010
Location: austin
Posts: 167
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ditto
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12-29-2011, 09:27 AM
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#7
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Valued Poster
Join Date: Jan 4, 2010
Location: Central Austin
Posts: 5,493
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You've got the correct answer.. As nice as free money is, IT'S NEVER FREE FROM A BANK... not any more.
Years ago, as a teenager, I went to a bank and bought a money order and they made a one decimal place, so I got 180.00 instead of $18. At that time, to a kid, it was a fortune, but if they caught it, there (at that day in age) wasn't anything they could do about it after I was gone.. Anymore??? Not so much.
In fact, odds are pretty good, they have already found the error.
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12-29-2011, 09:41 AM
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#8
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Account Disabled
Join Date: Jan 22, 2011
Location: Texas
Posts: 18,470
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Banks do audits all the time just for this reason.
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12-29-2011, 09:44 AM
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#9
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Valued Poster
Join Date: Sep 9, 2010
Location: Archer City
Posts: 2,830
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The depositor may have written the wrong account number on the deposit slip, but it is the teller's responsibility to check the ID.
If someone wanted to deposit $1 million dollars in your account they couldn't do it without your ID.
Chances are the teller will get fired. I know a lady who got fired because her cash box checked out a few dollars long one time.
These banks don't tolerate any errors in their employees who handle money. Sad that this happened during the holidays.
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12-29-2011, 10:37 AM
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#10
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Lifetime Premium Access
Join Date: Dec 31, 2009
Location: Austin
Posts: 426
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What would Billy Saul Estes do?
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12-29-2011, 10:54 AM
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#11
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Lifetime Premium Access
Join Date: Aug 22, 2010
Location: austin
Posts: 683
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Quote:
Originally Posted by trynagetlaid
The depositor may have written the wrong account number on the deposit slip, but it is the teller's responsibility to check the ID.
If someone wanted to deposit $1 million dollars in your account they couldn't do it without your ID.
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I have never experienced a bank requiring an ID to accept my deposit. If they did, I believe I would get another bank.
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12-29-2011, 11:33 AM
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#12
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Valued Poster
Join Date: Sep 9, 2010
Location: Archer City
Posts: 2,830
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Quote:
Originally Posted by Billy_Saul
I have never experienced a bank requiring an ID to accept my deposit. If they did, I believe I would get another bank.
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You might be well known at your bank, and there's not a lot of turnover in tellers. Or they are checking your signature against the one they have on file. Either way they have to make sure deposits are only accepted from the account holder.
I have tried to deposit money in accounts which weren't my own in exchange for goods or services, and been turned away, on more than one occasion.
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12-29-2011, 11:57 AM
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#13
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Gaining Momentum
Join Date: Aug 8, 2011
Location: Travel, TX
Posts: 96
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I have been able to desposit money in other's accounts without having to show an ID many times...
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12-29-2011, 12:00 PM
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#14
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Valued Poster
Join Date: Sep 9, 2010
Location: Archer City
Posts: 2,830
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Quote:
Originally Posted by CRamsey
I have been able to desposit money in other's accounts without having to show an ID many times...
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I have done wire transfers to another bank and account number, but never deposited cash in person to another person's account.
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12-29-2011, 12:22 PM
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#15
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Pending Age Verification
User ID: 2800
Join Date: Dec 19, 2009
Location: Austin, Texas & The Hill Country
Posts: 1,665
My ECCIE Reviews
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You Can Deposit Money Into ANYONE'S Account
WITHOUT An ID - They JUST Wont Give You a Receipt
For It, If It Is NOT YOUR Account.
AND YES EVERYONE Is EXACTLY RIGHT!!!!!
THEY WILL TAKE IT BACK ONCE THE ERROR IS
CAUGHT - AND YES IT WILL BE CAUGHT!!!!!
GIVE THE MONEY BACK NOW - LESS HEADACHE LATER!!!
EVERYONE'S FAVORITE FLOWER,
Lilly
 HAVE YOU HAD YOUR "LILLY EXPERIENCE" LATELY
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