<prompt> Human: So i have 2 bank accounts. My main and a secondary i used for my car payment. I have since closed off the secondary as i paid off my car.However, its still linked with my main bank, and ive been using it as a sort of emergency loan when im strapped for cash.What i do is, within my main banks webpage, i transfer money from my secondary bank to my checking account. My main bank deposites the funds into my account instantly, so i dont have to wait 3-4 business days for the funds to clear. When they dont, ill have since been paid, and my bank withdraws what they are owed from my account, with no fee, mind you.Ive done this several times, though i never questioned the legality of it. Should i have?  <response>: Yes, this is ACH Kiting and is illegal. Im not a lawyer, but Im pretty sure this would constitute some variation of wire fraud. In any event, it is definitely fraudulent, and given that all of the payments are electronic theres a rock solid electronicpaper trail. If you did it once or twice they might be inclined to think it was an honest mistake, if you do it repeatedly you definitely run the risk of getting caught most banks do attempt to monitor for the different kinds of kiting behavior. 