 Dear
Dr. Don,
I recently got a deposit from a store where I
spent $14.54. The store debited the correct amount,
but there's also a deposit from the same place
for substantially more than $14.54. Is this a
bank error or a store error? In either case, how
long should I wait before I can consider it mine?
-- Jenny Manna
 Dear
Jenny,
It's not a waiting game. You should never consider the money yours. It's more likely to be a store error
than a bank error, since the bank wouldn't initiate a deposit into the account from the store. But it's an
error in your banking account so you should go to your bank to attempt to correct the account.
You've been a little bit coy about how much money is involved, but it doesn't really matter. Mistakes happen in
transferring funds and the parties involved have the right to correct these mistakes.
The Bankrate feature, "Bank
error in your favor" describes some scenarios
close to your situation and how they were resolved,
but waiting out the bank isn't the answer.
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