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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.
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