If You Are Overpaid By Your Bank

If You Are Overpaid By Your Bank? a big question with a short and simple answer.

Before we advance consider these questions
 - who loses?
 - who gains?
 - why are you being asked to confim cash before leaving the bank?
 - why are you not being repaid if you leave the bank and even return minutes later before complaining?
 

possible answers

 - the paying teller / customer account debited could lose, ask me why? a teller may erroneously debit your account with   53k when you actually issue a cheque of 35k. NB: he/she is human.

- definitely the gainer is not you, because you shall reap you fruit in a bumper harvest of deceit. remember the paying teller most often accounts for all loses and gains to his/her superiors.
- if you confirm the cash before leaving the bakning hall most banks 've circuit cameras to ascertain the truth in the event of any litigation of what actually transpired
- it is most often difficult to ascertain how many times the cash withdrawn has changed hands before you return to the bank to your complains

if you have an account with customer centred bank and driven by professionalism, I am sure you will not experience hazzles as such.

every thief thinks he is an honest man, opportunity makes the thief [b][/b].

I will definitely return the money because it is my value not to steal.
 

It is theft not to return the money. So, I'D advice you to return it. I've got a conscience, I WOULD return the rest of it.

So, these are Nigerians saying they will return the money if they are over-paid?  "Glory be to God."  Forever and ever. There is hope for Nigeria.  At least I am impressed with all the responses, it only shows that Nigeria will be better in future with all these people.  This simply means we have a good number of people who have conscience.  May God strengthen them to return it when it will happen.  As for me, I will still return it sharp sharp, though I have not been overpaid before, but many times I have come  across huge amount on the way (Port Harcourt), I made sure the money was traced back to the owner.

I'll assume its a bonus and walk away with the dough!

@ aisha 2

are you a teller or once a teller?

No am not, am just a Nigerian concerned with the future of Nigerian Youth.

This whole thing bothers on one's integrity and self esteem.
Like someone rightfully said"honesty is a great gift from God"
It also bothers on your family back ground and upbringing
It wouldn't really add any value to your person when you steal but it makes you a "hungry idiot" that will never grow.
Let me just tell you nairaland users, the issue of consealing overages from the bank is the simple reason while most of our young ladies sleep with
anything irrespective of age,social class  .
for crying out loud people should learn how attach some respect to their self esteem!!!
do you need to get a "think you" for you to be upright?

THis is incompetency,
even banks like Citibank are not still competent in paying cash then which bank will be?

Me if i notice on time i will refund the money but if later i may wonder if it is among my money and something else
it is also on one's desicion too based on the fact that they have been underpaying people previously

It happened yesterday ,my boss sent me to bank to withdrawl some amount for him ,and the cashier payed me 50k extra ,when i was trying to call the lady attension to the mistake, she refused to respond, and i waited till she got herself back to me,then i returned the money back ,after that a guy came to me that i must be rich and i told him 'MY BIRD DOESN'T FLY THAT ' 

When i saw the title of this thread, i was like 'there's no way i'm going to return free money' but the response of some people got me thinking-and i like to believe brought out the inner me. There's no way i'm going to walk away with someone else's money because i believe strongly in the law of karma. If my account is overcredited, that's another thought for when i'm richer. 

What if I'm underpaid and I discover after I've left their premises? Who will listen to me? Isn't that part of their illegal gains?

ATM?
good suggestion

To be very sincere, it depends on the bank and most especially, my mood. If it is diamond bank, where i come in contact with friendly, fast and nice tellers and superb customer service, then i would definately return the money but if it a bank like first bank and uba where their tellers are so nasty, slow, plain frustrated and the queues are unbelievably long,

i'm always very interested in these kind of threads.

first of all, i would like everyone to realise that what goes round will always come around. if you defraud someone, you will be defrauded, it may take a long time but it will happen. no matter what! so if you are over-paid pr your accunt is over credited, and you take off with it, it will be your turn someday.

secondly, banks put those notices in their banking halls for a number fo reasons, first amongst which it is for you, not against you, so that  if you were underpaid, and you counted before leaving the banking hall, it will be automatic to complete your money. If however you were underpaid and still left the banking hall without counting the money, you shouldn't assume that the bank will not refund. The problem with most people is that they assume a lot of wrong things. Banks in this era are all big boys, they are all looking for customers, so it is not in their interest if you go away to their competitor. The problem with paying you back such monies will be the verification that truly you were underpaid and banks have a varied number of ways through which they may ascertain that. Once they can do that, they WILL pay you back. Sometimes though the error is not from the bank at all, but when monies have passed form one hand to the other, it is very possible that it has been tampered with, so you also have to try to ascertain where the possible fault may be from.

thirdly, when you do not return overages (overpayment), the teller (cahsier) who paid you will DEFINITELY pay for for it, r may even be sacked. Now do you really want to bear that on your conscience? Contrary to what you may think, most of them do not earn high salaries, some get paid between 20 ad 40 thousand naira monthly, so if he/she has to pay back overages that are not returned maybe twice or thrice in a amonth, you may well imagine how much may be left at the end of the day.

so please and please exercise your right to be heard by your bank, do not take any rubbish from them (if you returned and overage and the teller did not thank you, report to his/her boss), but alos please return overages when and if you are over paid.

@omoge
I know someone who worked for royal mail and was paid for years after he left the organization. And no he didnt have to pay back. It was their loss. The payment just stopped one day.

@pastorking
According to your scriptural post, your friend must have cheated people also for that kind of misfortune to befall him. Abi?  

There was a time where I would always pay the money back.

I was told buy a Army Major, "If you are over paid, put the money in an Interest Bearing account. Then once they ask for it back return the money and keep the interest".

If it's very likely that they would not be asking for it back. Yes you can send it back. And yes your consciences (sp) would be clear or would it?

The person who over paid you will just as well be underpaying another customer, and as other have mentioned we all know the banks policy in that regard.

By paying the money back most times the tiller doe'snt show any appreciation of the fact that her\his job may have been on the line so it's unlikely that they would have learned from that lesson.

Secondly, by paying the money back, you are keeping in employment a incompetent employee who is a hazard to the Bank that is keeping your money.