So, is it a crime owing a Bank money if they just outright gave it while you were overdrawn?

Answer 1

Not a crime - but you still gotta pay it back pal

Answer 2

If you try to spend money while your overdrawn or dont have any money in the bank and the bank allows the charge to go through, then yes, you are responsible for the overdraft fees. I think it sucks but if that happens to you, thats what overdraft protection is there for (if you have a credit card attached to the account). It happened to me once (I was 2 dollars overdrawn because my direct deposit didnt deposit when it usually did) and i got stuck with a 30-something dollar fee. Needless to say, i wont let that happen again. One time is more than enough.

If you DON'T have it then DON'T spend it...

Answer 3

Yes it is if you did it either knowing that your bank account balance would be overdrawn OR with the purpose of overdrawing. In most states you would ALSO be guilty of the crime if you did so Recklessly.

Answer 4

It's a crime to steal money from a bank. It's not a crime to borrow money from a bank if they have offered you a loan, provided you have the intention of paying it back. If they gave you money by accident, you must return it.

Answer 5

Being disorganized is not a crime. Neither is being irresponsible. But it is not a crime for the bank to issue consequences either. This usually occurs in the form of an overdraft fee. Keep better records, Bunky.

Answer 6

THIEF. YOU WERE NOT SUPPOSED TO EXCEPT THE MONEY AND YOU WERE SUPPOSED TO LET THE BANK KNOW WHAT THE PROBLEM WAS. AND YOU WERE NOT SUPPOSED TO SPEND MONEY THAT'S NOT YOUR'S TO BEGIN WITH. REALLY YOU HAVE TO PAY IT BACK OR THEY WILL PROBABLY TRY SOMETHING IN THE COURTS TO GET IT BACK.