Those that have the money don't like to release it. Years ago I paid the full balance of a Visa Card bill with a check. The bank erroneously withdrew 10 times that amount. It didn't overdraw the account, but when we went to the bank with the cancelled check in hand they said it would take two to three weeks to put the money back. Wrong! We pointed out that since they withdrew it instantly, they could put it back instantly, which they did. With that we closed the account.
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