About 15 years ago I paid my quarterly FUTA payment of $56.00 Their bank mis-deposited my check as $0.56, meaning I had underpaid by $55.44.
Over two years later we finally got it straight, sorta. From their first request I sent them the missing $55.44 because they truly were short the money.
At first they wanted to charge interest and penalties, then after much fussing by me they waived that since they agreed it was their bank which FUBARed my check.
Everybody was real nice to deal with, just real slow. When all was said and done our various payments crossed in the mail and they sent my 55.44 back, twice. So all in all they paid me $56.00 that quarter.
I’m always honest and give back the excess when a cashier goofs the change. But after two years and numerous crossing payments on the case I decided to let this particular dog lie.