<prompt> Human: Update: I cancelled my accounts with this bank. Withdrew all my cash. The temporary credit was still in my account. I have it deposited at my new bank. The claim notification I got today said they would debit my account on 91218 for the missing money. However, now there is no account or money to debit. What will the consequences be to me? FYI-I still have a CC and auto loan with this bank, but nothing else.  <response>: Hi OP. Though I was promoted last month and dont technically work in the department any more, I did work for three years in a major US banks ATM Reg-E department, which is the group that handles exactly these scenarios. A lot of the information in this thread is accurate, but some of it is not bearing mind that some things will vary by institution. If you have any questions, let me know.One thing that could help is to very carefully check over the verbiage of the decision letter you received finalizing the claim: it should contain information on the reason for the denial, even if it is as basic as we didnt find anything wrong with the transaction. One thing in particular to look for is if the letter says anything about no being able to locate the transaction in question; that would be a good thing, as it would indicate that their initial search wasnt able to find a matching electronic record with errors that fit the description you provided, and that an escalated claim with morebetter detail and a more involved search may be able to get the claim approved.As I said Im fairly knowledgable on this subject, so let me know if you have questions or need advice. 