Checking my cards and my Merrick Bank balance is ZERO! I should owe like 400. Not complaining just letting yall know... I never thought i would be a lucky one!
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Occam's Razor would tell us this is a glitch in your bank's system OR a teller credited your account accidentally (mistyped the account #). There is probably someone out there wondering what happened to their $400 deposit and will complain.
Usually this is followed-up on and fixed, but not always.
/tech guy