I wouldn’t go to the media, but I’d go to the bank. Absent a note from an anonymous benefactor, I’d assume someone somewhere screwed up. A glitch like that doesn’t go unnoticed for long and since it wasn’t my money, I wouldn’t touch it.
There might be laws against that, where either you have to repay the money or go to jail for theft? Sorry, no cite but ‘I read it somewhere’.
“I had spoken to somebody at the bank and they say the available balance is money I can’t touch in the account and, basically, I can’t touch…but I never had this amount of money or even dream about having this amount of money in my account, ever,” he said.
So it could be a prank; someone paid in a false cheque that will never clear.
*Westpac has been able to recover a portion of the money, but $3.8 million is still unaccounted for, and Gao is unwilling to say where it went, the Daily Post reports.
“A lot of people say, ‘You’re lucky, like winning the lottery,’ ” Gao told the Daily Post. “I say, ‘Nothing worse could happen to you.’ ”*
Yeah, you might be able to get away with an extra couple hundred deposited into your account without anyone noticing, but $100 million. Good luck with that, and good luck with feigning ignorance when the bank or law enforcement comes knocking on your door wondering where all this money went that was accidentally deposited into your account. It’s not like they’re not going to figure it out. Now with a couple hundred bucks or so, maybe even a couple thousand, especially if you keep a decent balance, you can at least play dumb and say it was an honest mistake and you didn’t notice it. It’s not going to help you keep your unearned money, but at least they won’t be suspecting you (or at least not as much) of trying to defraud the bank.
“Officers, I really have no idea what you’re talking about. $100 million dollars in MY account?! Simply absurd. Now, unless you have a warrant, I’ll have to insist you get off my yacht.”
Something like this happened a couple of year ago in the Netherlands (although is was only a few million). The account holders cleared their accounts and “disappeared”. I believe both of them are now in prison.
I wonder, is there some way you could earn interest on the money until they figure out that you’re not supposed to have that much? Would they then let you keep that interest?
With regards to the ethical/moral aspects, though, if the bank puts money in your account by mistake, and you use the money, then how is that, technically speaking, different than if you accidentally place a platter of cookies in your neighbor’s front yard, and he eats them? (Sorry for the odd analogy, but I can’t think of another.)
Sure, the cookies belong to you, but you put them in your neighbor’s yard, he didn’t come take them from you.
Technically, I don’t think it’s any difference ethically or morally. If you have good reason to believe the cookies were left accidentally or through some sort of mistake left in your yard you really should give them back. I mean, if my neighbor’s kids accidentally throw their toys over the fence, I don’t just keep them.
OK – I’ll take a shot and step back while everyone points out my obvious mistakes in logic. In this case you gave your neighbor your platter to use and he accidentally put someone else’s cookies on it while it was still in his house. You then entered his house while he wasn’t looking and helped yourself to the cookies/platter combination. He did a dumb but you still did a theft.
Mean Old Lady Flister did all the time — which is how she got her first name.
I once was the recipient of a bank’s error similar to the OP’s example. The teller entered my account number where she should have entered the amount of my deposit.
When I tried to alert the bank manager he was rudely insistent that they couldn’t have made an error. And I thought he would be interested in a 70+ million dollar error!
At my bank the daily limit is $400. Banks are very clever. Every time someone beats them, they learn and change their operation. How much do you think you could get away with at $400 per day?