...IF you were going through the drive through at your bank,...and you were going to deposit, lets say, ...$300.00...and ...later....driving home, you noticed an envelope along with your slip, showing it was clearly deposited.....however, the teller also gave you back your 300 dollars in an envelope. Now knowing theres nothing they can do ....would you go back....or ...keep it?
..* ...I'm not looking for answers saying what's "morally right" either, (i already know that answer!!) ..i'm asking you, ...what you would do. (I overheard this topic at work yesterday)
2007-12-09 02:06:36 · 13 answers · asked by ? 5 in Society & Culture ➔ Etiquette
I would keep the $300 since its the teller's error. Its not my mistake to correct. I gave them the money in good faith.
2007-12-09 02:20:47 · answer #1 · answered by Stareyes 5 · 1⤊ 1⤋
I worked at a top-ten bank in a consumer branch location before I got into commercial real estate. Although I was a personal banker and not a teller, I still remember a great deal about it.
When the tellers would realize that they made a mistake like this (and they always catch it by looking at their transaction log), they would just debit the person's account that they gave too much money. They would also credit a person's account that they short-changed.
So.... one should take the money back. They will just adjust your account anyway, especially with it being such a large amount.
Most banks will not fire tellers until they lose a certain amount of money in a twelve month rolling period. Most of the time, that amount is $1,000. To place the $300 in the teller over-and-short account, they would need a manager override. This manager would likely force the teller to figure out how she or he lost the money and adjust the customer's account accordingly.
2007-12-09 02:25:33 · answer #2 · answered by Kayne P 2 · 2⤊ 0⤋
I would give it back- Like you said- everyone knows it's the "morally right" thing to do. You mentioned knowing there's nothing they can do... I still would not keep it. This is why.... I was once "given" $100.00 back in my bank transaction. It was clearly an extra money- by transaction slips- no way it showed up in anyway. I went shopping on that money, some how the bank caught mistake- I'll never understand how- but I ended up having "bouncy" checks and overdraft fees for a WHILE- I spent extra money and then it was taken out of my account. Morals aside- I still think things have a way of coming back on you if choose not to be honest- O.K.- they do to me anyway! :)
2007-12-09 02:30:26 · answer #3 · answered by michelle 6 · 0⤊ 0⤋
Give it right back, because when the mistake is discovered the teller will have to pay for it - when I was working in a store, we were docked if we were short on our tills, and I reckon a bank is like this only more so. And that is a lot of money to have on one's conscience.
2007-12-09 02:37:07 · answer #4 · answered by Anonymous · 1⤊ 0⤋
They can do plenty. They can debit your account, despite the deposit slip. If you read the long disclosures they give you, they can do pretty much what they want to make sure they get their money. And with cameras everywhere, they will figure out where the mistake occurred.
But in a larger sense, I'd give the money back. I'd know it is not mine, and it would bother me pretty much forever that I stole the money. Because that is what it would be - theft.
2007-12-09 03:18:45 · answer #5 · answered by stenobrachius 6 · 0⤊ 0⤋
I WOULD turn the car around, walk into the bank and explain what happened to the Bank Manager. This teller needs extra training so this never happens again. I HOPE no one loses their job over it, but that's not my decision. It's just money! It'll go into my account and all will be balanced. Life's good.
2007-12-09 02:17:54 · answer #6 · answered by Rick A 6 · 1⤊ 0⤋
I would give it back. It's the right thing to do and someone might lose their job over it. Also, it wouldn't take the bank long to notice the mistake and notify you about the error., especially since there are cameras everywhere.
2007-12-09 02:51:05 · answer #7 · answered by Kara 3 · 0⤊ 0⤋
Absolutely. In fact just last week I was given too much change from my local store, I didn't notice until I got home. I immediately walked back to the store in -25C weather to return it. It was only $10.00.
2007-12-09 02:47:50 · answer #8 · answered by Choqs 6 · 0⤊ 0⤋
I would go back and return it to the teller directly so that she wouldn't get in trouble with her boss.
2007-12-09 02:18:45 · answer #9 · answered by clint 5 · 1⤊ 0⤋
IF there was no way they can go back and see that they made an error, so they would take the money.
I would donate it to a charity...
2007-12-09 02:47:00 · answer #10 · answered by Sunshine 6 · 1⤊ 0⤋