<prompt> Human: I owe 132,000 to Wells Fargo for a mortgage at 6. I decided to bite the bullet and start paying it off. So, I went to the bank and gave them 5,000 in cash for the payment. They accepted the payment but didnt apply it to my account. Is this legal? Its been a week. In addition, my normal payment will be debited in a few days.  <response>: Bank teller thought it was a generous tip. Good on you! 