If say...you deposit money into firepay or neteller that you do not have funds for, but you get the funds into your bank account before the EFT reaches the bank, so there is no bounce and everything clears, is this still considered check kiting, even though there was no intention to stiff the bank? Had this happen once, but my funds wrere available back into my bank account before the EFT reached the bank, so there wasnt a bounce or an overdraft ever involved. Would the bank look at the time the transaction was made rather than when the EFT reached the bank, and consider it check kiting, even though you had funds available by the time the EFT hit the bank? Seems the only thing that would matter is having the funds in your bank account by the time the EFT reached your bank, but thought I may have read differently on this matter, but not sure. This just happened once, but if it were to happen several times, even though you always had the funds available in your bank to cover by the time the EFT hit the bank, would the bank get suspicious or try to press charges even though you never frauded them out of any money and had the funds available when the EFT's hit?
