I had something similar happen with a smaller amount. I had an account that I wanted to close. It has a small sum left in it - like $150 or something. What I decided to do with it was donate the remainder to public TV. I called and did it as a debit transaction. So several months passed and the money never came out of my account. I called the bank and told them. Nothing we can do about - there haven't been any complaints. I called the TV station and told them about it - We got our money we're happy. Called the bank again - nothing wrong here don't worry about it! I think I left the money there about a year and finally took it out and re-donated it. I was a little scared to do it though. Once before, right after I graduated from college and moved out here I closed a bank account. I took all the money out and closed the account to move. A month or so later the school (I worked there) found that they had made some sort of accounting error and had overpaid everyone a small amount - like $60 or something. The bank reopened my account and put it into debit!!! I hadn't left any forwarding addess because I closed the account, so the bank was sending me these overdrawn notices to me at my old address and racking up fines for being overdrawn. Boy was I p*ssed when I finally found out. The bank and I had a long chit chat and they finally took the fines off and all I had to repay them was the original amount, but I was really distressed to find out that they could re-open a closed account without my permission.