Has your bank ever made a mistake, and give you money?

banking errors - lucky day at the bank
@bounce58 (17524)
Canada
December 15, 2011 5:53pm CST
I was at the bank yesterday taking out some money to pay some bills. I also needed some cash so I went inside instead of the machine near the front door. For some reason the cash-machine beside the bank teller that dispensed the bills spewed out more than what I was asking. If not for their procedure to manually count out the bills in front of the client, they wouldn't know that there was an error. All the transaction records say that they it was the right amount. I think it was just some bills that got stuck together being counted as one. [i]I thought it was my lucky day! Instead I had to wait longer while they 'sorted' out the transaction.[/i] Anyway, have you ever had that kind of error from the bank? Would you go back to the teller and inform them of the 'extra' that you got?
4 people like this
20 responses
• Philippines
30 Dec 11
Mine happened over-the-counter, with a teller, and not an ATM. This was back in 1994 in San Francisco. You see, the afternoon before, I withdrew $100 from my account via ATM. This was so I could buy things I needed for my trip back here to the Philippines (personal things, pasalubong, etc.). But because I still had extra money left in the bank, I decided to drop by my branch the next day so I can withdraw the rest and finally (and formally) close my account with them. So I went to the teller and told him that I would be getting all my money and closing my account in the process. In the end, they gave me the money, enclosed in my "punched-out" passbook. When I was already inside the bus on my way to my aunt's home, I saw that they gave me $100 extra (the amount that I withdrew from the day before). I decided not to give it back...hehehe When I arrived here in the Philippines and gave a call to my aunt, she mentioned that the bank called and asked for me. When she told them that I already went home to the Philippines, they just said "Okay" and that was the end of it.
1 person likes this
@bounce58 (17524)
• Canada
30 Dec 11
Hey! That was very convenient! Not really your fault, from my point of view. Yeah, you could have gotten off the bus to return it, but I'm sure you were already cramped for time to get ready for your trip. And I'm sure that $100 wouldn't hurt the bank so much. Thanks!
@moneywinner (1866)
• Brazil
19 Dec 11
Unfortunately, I never had this error happening to me! But, already happened the opposite. I requested an amount of money to the ATM and no money got out, but in my account details the amount was charged. You imagine my worry, it was around $300. I had to spend many hours in the phone until everything was solved.
1 person likes this
@bounce58 (17524)
• Canada
21 Dec 11
That's the thing! When the bank or the machine makes a mistake that ends up us losing money, it is still up to us to call them, straigthen it out, and go through all the hassle to make sure the mistake is corrected. Shouldn't we expect the same thing from the bank when they make the mistake?! Thanks for the response.
1 person likes this
@Opal26 (17690)
• United States
16 Dec 11
Hey bro!I actually did "get lucky" once. Or I should say that my bf sort of did for me. I sent him to my bank to do a transaction and the teller gave him back $50 in cash too much! He knew she was wrong and kept asking her if she was finished and did he owe her anything and she smiled and said "no" so he left and brought me home the extra money! I was ecstatic! Those kind of things never happen to me! But, he is kinda lucky so I wasn't that surprised, just happy for once he was honest enough to give me my money and not keep it for himself. I kept waiting for them to figure it out, but they never penalized me for the error!
1 person likes this
@bounce58 (17524)
• Canada
21 Dec 11
Hey sis! Now that's what I call a 'lucky' one! And it's refreshing to hear/read a response saying that it was indeed such a lucky thing, instead of something along the lines of honesty, guilt, karma, doing the right thing, etc. Take care sis! And have yourself a wonderful Christmas!
@JenInTN (27565)
• United States
16 Dec 11
Heyya Bounce! One time I went through the drive thru and was getting my check cashed. I had dropped $300 of the money in my lap and while I was shifting around looking for something...I don't remember what it was...the money went under my leg. I thought the lady had shorted me $300. I told her and she give it to me. I got home, got out of the car, and there it was. I just stood there feeling like an idiot. I did call down to the bank and apologized..lol...I took it back. I could have really used it but I am very careful about my karma thing
1 person likes this
@bounce58 (17524)
• Canada
20 Dec 11
That was really nice of you! I think you just saved that lady a lot of headache (or heartache), and maybe her job. I'm sure it was a bit embarassing when you returned the money, but I hope that they also saw how honest you were. Thanks Jen.
• United States
15 Dec 11
I know someone who checked their account and four hundred was there that was not there before. she left it in her account for a few months. When nothing happened she spent the money. My mother was at the counter and the cashier gave her extra cash. she went back in and gave it back to her.
1 person likes this
@bounce58 (17524)
• Canada
16 Dec 11
There must be some logical explanation for that four hundred! Maybe somebody deposited it in her account, and she just forgot about it. In any case, that's good strategy (I guess). To leave it there for a few months before taking it out. Thanks.
16 Dec 11
it happened to me once i was expecting an amount of 2k from my mom but when i check the balance it was 20k so was thinking maybe she really meant to send me 20k instead of 2k that i asked from her few months later when we had the chance to talk thru skype since she worked abroad she said she do send me 2k. i dunno of it was banks error . but my mom said she only send me 2k maybe it was the computers error i dunno who's error it anyway since i already spend all the money. but till now i felt sorry about it.
@bounce58 (17524)
• Canada
19 Dec 11
Wow! That's an expensive mistake on the bank's part. Just an error in decimal point, I guess. If that happened several months ago already, then I think you're in the clear. I'd hate for you to put it all back, if they did found the error. Thanks for the response, and welcome to myLot!
20 Dec 11
yeah i think it was decimal error... so far i dont have any problem after that incident happened because i still use that bank account doing all my transactions im still recieving money from my month, i still thinking what if the bank have this inventory or something and found out about the error but they should called me after a week or a month it happens but its almost end of the year.
@enelym001 (8333)
• Philippines
16 Dec 11
Oh you could have more money than you needed that day I've never experienced the same thing yet. But if it happens, I would be lucky because machines here are outside the bank.
@bounce58 (17524)
• Canada
19 Dec 11
I guess it's easier if the machine made the mistake, and it spewed out the bills direct to you. No one gets to be blamed for it, except the machine. Unlike in my case where even though it came from the machine, the teller still had to count it in front of me. That way she gets blamed if she didn't count correctly. If they're outside, you could just get the money and go. Thanks.
@enelym001 (8333)
• Philippines
20 Dec 11
Yup, here the machines were placed outside. I will be waiting for the machines here to make a mistake just kidding!
@Kalyni2011 (3503)
• India
29 Jan 12
It has never happened to me, but i have heard some who drew money using ATM got more money and some got less, well those who get less complained about it, but not those who got more.. If we draw money at the counter in bank, there is no more or less, the count the currency notes using automatic counting machines usually.. I always count the money when i leave the counter or the ATM machine.. Thank you so much for sharing Happy posting, cheers. Kalyani
@bounce58 (17524)
• Canada
3 Feb 12
Yes, it would be so tempting not to complain about it when you get more money from the ATM. But if we got less, I'm sure everybody would hear about it. It's always better to count before leaving. Thanks.
• United States
24 Dec 11
Unfortunately, no that has never happened to me, but let me tell you it would be nice, with all the mistakes banks make by taking away money, it would be awesome in their part for them to make an error in our favor for once.
@bounce58 (17524)
• Canada
28 Dec 11
That's what I think so too! When they make a mistake, and we end up missing a few bills, it would still be up to us to go through the hassle of making sure that we get it back. Otherwise, the bank would just do nothing. Thanks.
@KrauseHome (35517)
• United States
22 Dec 11
Many times I have never considered counting or recounting right away, so my luck I would catch it later if I ever caught it, and my luck it would be shorter than it was supposed to be and be in trouble with that as well. Actually it probably saved a teller her or his job by it getting noticed right away like this, but could be an embarassment while you had to wait. Did you get any compensation for the wait time?
@bounce58 (17524)
• Canada
28 Dec 11
I've also been burned by an ATM machine before. I used to not count bills right away from the machine. But after I've lost a few bucks, I make it a point to count the money in front of the camera. Just in case it's missing a few bills, then I would have video proof that it's not right. Thanks.
• United States
17 Dec 11
I've never been given too much money from a bank. However, I have been given too much change in stores and such. And I always give it back. I'd be too afraid of the bad karma I'd be creating if I kept it. I don't like things coming back to bite me in the behind, ha!
@bounce58 (17524)
• Canada
21 Dec 11
Oh yeah! If it's too obvious that somebody just made the mistake, I'll be sure to return it too. As I'm sure that whoever made that mistake, teller or storekeeper, would get into trouble for that mistake. And karma would surely be doing some 'biting'. Thanks.
• Malaysia
16 Dec 11
Hope it will happen to me and i will take the money and spend it. If the bank ask me to return the money i will do it in a long period. Come on its the Bank the trusted institution to keep our money. Why do they make you wait when its their fault. Actually i have heard about cases of getting extra cash especially from the ATMs numerous times some do return the money and some just make dramas to avoid giving back cause its the Bank credibility should be responsible.
@bounce58 (17524)
• Canada
21 Dec 11
Hello acrossnation. I hear yah! When the we make mistakes and the bank has to charge us, they don't waste time and debit us right away. So when they make mistakes, we shouls also 'spend' it right away. Thanks.
@mohkanari (1957)
• India
16 Dec 11
I think it is a strange and very rare incident. As you say that transactions records indicated the right amount you actually needed, There weren't no chance for the bank to identify the excess payment made to you. If I get such an amount I would keep the amount with me till the bank wants to repay. I haven't returned back some short in payments made by banks, for reason I haven't found it at spot and informed them.
@bounce58 (17524)
• Canada
20 Dec 11
Hello mohkanari. Yes, I think it is a rare incident. I think it was all because of some sticky bills that was mistakenly counted as one by the machine. Thanks for the response.
@elitess (5072)
• Ipswich, England
16 Dec 11
Hello bounce. Yes it happened once but the thing is the teller would have been blamed for it and I felt I wouldn't want that - for a person to be punished just for me to earn an extra 3$.
@bounce58 (17524)
• Canada
19 Dec 11
I guess $3 isn't worth it. And it isn't worth the teller getting blamed for it. Specially if it passed through her hands. Mine was caught because the teller counted it after the machine already counted the bills. But if there was no one to blame for it, I might just walk away, and think it my lucky day! Thanks.
• Indonesia
16 Dec 11
No, I never had error or money was received from the bank as well. I never counted up the money I have received from the bank, because the money was counted before by their machine, and was sure that the amount of the money I just received was the right amount, so I never counted that up again. I think no human is infallible even the computer would make an error without noticing it. So far, I have never received extra money from them then.
@bounce58 (17524)
• Canada
19 Dec 11
I would also think that the machine would rarely make a mistake. Unless of course the bills were stuck together, and they were just initially counted as one. But I've never had it passed on to me. Thanks for the response.
@ardieboi (195)
• Philippines
16 Dec 11
Never experienced that but i do hope my bank makes the same mistake they did in yours at a higher amount. Though, I always get extra change from stores. Mistakes always happen and it only depends upon a person to return the money or not.
@bounce58 (17524)
• Canada
19 Dec 11
If it was a 'higher amount' then it would really be obvious! And people would start looking for it. I'm sure it'll come back to me, so I would rather just let them know. If it were just $20, then maybe... Thanks.
• United States
16 Dec 11
Awww, too bad you didn't actually get the extra money!! I've heard of people looking at their accounts and noticing a large amount of extra money that they never had in there, I guess sometimes money can get put in the wrong account. I've never been lucky enough to have this happen to me, the only thing my bank does is charge me fees
@bounce58 (17524)
• Canada
19 Dec 11
Well that is one thing that banks I think never ever makes a mistake on, to put in the charges when it's time. So once in a while we hope they make a 'good' mistake in our account, but it rarely happens. Thanks.
@katsmeow1213 (29044)
• United States
16 Dec 11
No and No! LOL. I've never been in a bank that used a cash machine to dispense bills. I have to count bills by hand. If I was ever given more than I should.. I guess it depends on that day. Normally I try to be an honest person, but if I'm really hard up, I might just keep quiet about it.
@bounce58 (17524)
• Canada
19 Dec 11
I was actually thinking 'what would kat say?' when I posted this discussion! Considering that you work in a bank. I guess most of us would try and return it. As we don't want the teller or bank person to be punished for it. But if we're hard up, then maybe we could just think that it was an answer to a prayer!
@ardoy0731 (6865)
• Philippines
16 Dec 11
Haven't encountered that kind of incident,mine was I got debited a particular amount in my account without withdrawal.I immediately call the attention of my bank and eventually they bring back the debited amount.
@bounce58 (17524)
• Canada
16 Dec 11
Oh yeah! Once in a while the banks do make mistakes that isn't good for us. We should always be vigilant about these things as it's up to us. Because if we didn't, they wouldn't mind with the mistake. It would be our loss. Thanks.
@Jackalyn (6879)
• Oxford, England
19 Aug 15
I once got jmoney credited to my account wrongly and the bank had no idea whose it was! Another time a guy my ex worked with picked up my ex's pay cheque and paid it in as his by mistake. The bank did not pick that up and it was only in conversation that the two guys realised what had happened. It was a genuine mistake on the part of the other guy as their pigeon holes were close, but the surnames were very different.