The banks “owns” it the moment they took possession of it, what they did with it was their responsibility
However a bank putting it in the wrong account is 100% on the bank. The bank going into that PRIVATE account to steal it, two weeks later, is on them. Banks have 24 hours to clear, in the 24 hours they have plenty of time to figure a mistake someplace and correct. Cause that is how things settle in the banking industry.
Charging these people a overdraft fee? What a bunch of hosers, screw em.
That would be like UPS delivering a box to your house by mistake, breaking into your house 2 weeks later to steal the box and then charging you for the re delivery of the package to the right address, screw em.
BTW, I would have just gave the money back anyways, that is my morals, but I can’t force my morals on everyone else, including you.
Your so called arguments won’t keep these people out of prison