there was also a time when I had a checking account (I don't have one now) I deposited $100 into my account to cover checks coming and I gave the girl my acct number which is one number off my dad's b/c it was at the credit union that at the time was specifically for the company he worked for and it was his clock number so they just added #'s in front of like 1-2-3-4- etc for your acct number. They deposited the $100 into my dad's acct so those checks bounced all the way to the credit union. I was livid - I called and told them and they revoked the fees and covered the checks.