My logic would be, if it's in my account then it is mine, regardless of how it got there. Maybe my interest rate jumped up (I know credit card interest rates jump unexpectedly, wouldn't it be nice if savings account rates did the same thing?) or maybe someone transferred me the funds. It's the bank's responsibility to oversee transactions, not mine. I'd take the money & run without a second thought or a seedling of guilt attached to it.

It is the banks mistake but another example would be if someone reaches into their bag to hand you a mint or something a for some reason gives you their wallet, you wouldn't keep it, and if you did it would be clearly theft.

I'm much too fucking honest to keep the money, but I like the idea of filing for emotional grief. God, the US is great, as I'd probably win.:D

I'd withdraw it all and spend it. They shouldn't have made the mistake.

Sure it was the banks mistake, but in no way does that make the money belong to someone else. That could have been your money they accidentaly put into that account. If you were to forget your backpack or purse at someones house, I'm sure you wouldn't want someone running off with it.

...it's not like you're gonna convert anyone with the opposing view.
I say fuck the banks and the idiots that made the mistake...they'd probably be insured against it too, and if theyre not due to it being their mistake, they need to lift their game.

In the US, our government has tried to fuck the banks. It isn't working.