<prompt> Human: hi guys, my sister recently opened a student checking account and noticed the other day that there was a net transfer of 10 million dollars. the bank has been calling to verify additional information about my sister but im wondering what the next steps will be? this is a fresh situation and im asking my wonderful reddit community about what the right steps are in approaching this situation. how did 10 million just randomly show up in my sisters account? is there a possible situation in which we can claim it? will the bank take it it cant be verified who the transfer was from?  <response>: There is no situation in which you will not be liable for returning this money. 