Banks I have little sympathy with and would love an opportunity to see them squirm because of their admin error! however, credit unions are a different kettle altogether. in most cases they are run by voluntary individuals and as such they are not profit making, correct me if i'm wrong, traditionally they weren't anyway. its the savings of other members of the cu which enables the rest of us get loans from them! as such, you would not be getting one over on the cu as such, but on your fellow members! in the day and age of the audit, plus reliable tracking methods, i'd find it hard to believe you'll get away with it! Can you live with the guilt..........