“You mean if someone owes me 10 and I have 5 of theirs , I can keep the 5 ? Shocking .”
Another way, one time I had a check for $25k that bounced.
I called the bank several times requesting whether the account was good for a lesser amount, lowering the amount each time.
When I finally got an answer that the check for $22,500 was good I took $2,500 cash to their bank and deposited it into the customers account, went to another teller and cashed the check for $25k!
Remind me never to owe you money ;-)