체이스 뱅크 인피니트 머니 글리치: 사기의 결과

### 체이스 은행 무한 머니 결함: 주의해야 할 이야기
* 💰 최근 체이스 뱅크 무한 머니 결함으로 알려진 바이럴 트렌드가 등장하여 소셜 미디어에서 **2천만 회 이상의 조회수**를 기록했는데, 이 영상에서 **개인이 수만 달러를 불법으로 현금화**한 것으로 알려졌습니다.
* 🚨 이러한 현상은 수많은 언론 매체와 은행 자체에서 경고를 불러일으켰으며, 특히 체이스 은행과 같은 주요 금융 기관과 거래할 때 **"공짜 돈이란 없다"**는 점을 강조했습니다.
* 📝 이 결함은 수표 처리 방식에 대한 오해에서 비롯된 것으로, 사용자가 **체이스 ATM에 수표를 입금하면 전액이 즉시 사용 가능**하다는 사실을 발견하여 광범위한 사기 행위로 이어졌습니다.
* ⚖ 이 익스플로잇에 연루되면 수표 사기로 간주되며, **은행 사기죄로 최대 100만 달러의 벌금과 징역형 등 심각한 처벌**을 받을 수 있는 중범죄에 해당합니다.
* 🔍 결함이 발견된 후 체이스 은행은 문제를 해결했으며, 현재 많은 사용자가 계좌가 잠기고 잔액이 마이너스가 된 상황에서 **이를 악용한 사람들에게 적극적으로 보상금**을 지급하고 있습니다.
* 📉 Cash 앱과 Robinhood 결함 같은 과거의 선례는 **은행이 사기 행위를 간과하지 않을 것**이며, 이로 인해 사용자가 **큰 돈을 빚지고 계정 제한에 직면**하는 경우가 많다는 것을 보여줍니다.
* 🔒 궁극적으로 이 사건은 은행 시스템을 악용하려는 시도가 심각한 결과를 초래할 수 있음을 상기시키며 **'돈은 도구에 불과하며 책임감 있게 다루어야 한다'**는 개념을 강화하는 역할을 합니다.
* 💬 영상이 마무리되면서 제작자는 시청자들에게 **은행 업무 절차 이해의 중요성**과 **불법 금융 활동 참여의 위험성**을 강조하며 주의를 기울이고 정보를 얻을 것을 촉구합니다.

체이스 은행의 무한 머니 결함으로 인해 많은 사람들이 수표 사기를 저질러 심각한 재정적, 법적 결과를 초래했습니다.

All right, so we got to talk about one of the most insane free money glitches that I have ever seen. For some reason, it's gone completely viral, with more than 20 million views on Twitter. People have reportedly cashed out tens of thousands of dollars for free, and uh oh yeah, it's completely illegal, as in under no circumstances should anyone ever try this. The Chase Bank infinite money glitch. Over the last few days, this trend has made its way around Twitter and TikTok, which resulted in dozens of news outlets and even the bank itself covering this as a literal warning of what could happen once this exploit is fixed. And believe me when I say this: unfortunately, there is no such thing as free money, especially when you are dealing with the biggest bank in the United States. So if you're curious why this is such a bad idea, how this was allowed to happen, and what is being done to people who tried withdrawing free money, here's everything you need to know. And obviously, I shouldn't have to say

this but I will this video is purely for entertainment purposes only, and I'm covering a newsworthy event as an example of what not to do or basically here's why this is a really, really bad idea. So, thanks so much, and also a big thank you to enog for sponsoring this video, but more on that later. All right, so all of this begins with a really simple concept: checking accounts on the most basic level. When you write or deposit a check into your bank account, that check is pretty much treated like an IOU from one financial institution to another. And in many cases, it takes time to verify the check is actually worth the price that's written. After all, a check in and of itself has no monetary value. It's not like I could write myself $100 million and then claim it's worth the asking price of a mansion. So, in order to process transactions like this, banks need to confirm that there's actually money behind the check before it could be cashed. And this is where the

fun part begins once a check is cashed. Banks typically make funds available within 1 to 5 business days, which gives them enough time to certify that the check is valid, that money could be transferred, and you, as the recipient, could freely do as you please. In fact, here in the United States, it's federal law that the first $225 must be available for use the next day, but the rest is entirely dependent on a system of checks and balances (pun intended) to make sure you're not depositing money that doesn't exist. And this is where the problem begins. See, initially, most banks don't know whether or not a check is going to clear because, at the end of every business day, all transactions are reorganized from highest to lowest priority. For example, cash withdrawals might be the first to record, then debit card transactions, then wire transfers, then ACH transactions, all prioritized from largest to smallest dollar amount. This is why a check might initially seem to clear for $1,000, but after the other person withdraws a

little money from the ATM and spends a little too much money at Costco. All of a sudden, their account is negative, and the check that you cashed eventually bounces one or two weeks later, even though at first it seemed totally fine. There could also be plenty of other reasons why a seemingly perfectly good check bounces weeks later, like the person could claim they were a victim of fraud. Maybe the signature looks a little irregular or plenty of other reasons that just aren't worth getting into here. Point being, there is a bit of a gray area where the bank gives you unrestricted access to the money before they confirm 100% that the check is really good. Usually, this is why you have to wait before withdrawing money that was just deposited. Transactions are usually stalled on weekends and holidays. If you have a new account, you usually have more restrictions than the person who's been banking at the same place for years. And in 99.9% of situations, it's totally fine. There's never any issues except in this

case everything went wrong. Like I said, usually when you deposit a check, the money is made available after one to five business days. But one person found that when they deposited a check in their own Chase Bank ATM, the full amount was available immediately. And that's when things got a bit crazy. For whatever reason, the exploit was posted to TikTok, and within hours, people were writing themselves fake checks, getting an instant advance for the entire amount, and calling it The Chase Bank Money Glitch while encouraging others to do the same. You can't even make this up. Make no mistake, in every sense of the word, this is check fraud. You are knowingly writing fake checks, and to make it even worse, you are committing a felony against yourself. I mean, just think about it. These people are writing a check in their own name, depositing that check in their own bank account, which contains all of their own information from their name, address, phone number, and social security number, and then they're on video withdrawing a verified amount of money. Now, you would think in cases like this people would

know it's illegal, and stealing money from a bank doesn't go without severe consequences. But as far as what's happening to the people who use the infinite money glitch, as well as what Chase Bank said, you're going to want to pay attention. Although before we go into the consequences and people's reactions to now owing tens of thousands of dollars, I think it goes without saying, but here's what I've realized: money is at its core just a tool, and just like any tool, there are effective ways of using it and ineffective ways of using it. Like sometimes, it's just really nice to be able to purchase peace of mind, especially when you begin to realize just how much of your personal data is floating around on the internet in the hands of data brokers, third parties, spammers, or anyone else you don't want having it. I'm talking your full name, date of birth, social security number, home address, phone number, email address, relative info. It's all out there. Now, even though this can be a huge problem, the good news is that you do have a

right to request the data. Brokers remove the information they have about you, and our sponsor Incog is there to help you do exactly that. They do all the dirty work for you by reaching out to data brokers on your behalf, requesting that your personal data be removed, and dealing with any objections that websites or data brokers might have. And since a lot of data brokers continue collecting information even after they've removed it, Incog also takes care that your data stays off the market by conducting repeated removal requests. All you got to do is create an account, grant them the right to work for you, and sit back while they keep you updated every step of the way. I find that the peace of mind to being able to scale back on robo calls, phishing attempts, and spam emails completely worth it. And if you don't make an active attempt to get your information removed, it's probably going to keep happening. So if you're interested in having your personal data taken down, you could get 60% off an annual plan when you go to Incog.

cog.org and use the code gram. They also have a 30-day money-back guarantee, so you can try it out risk-free to see if you like it. Again, the link is down below in the description, or you could go to incognit docomo, sign up today. Thank you so much, and now let's get back to the video. All right, so in terms of the Chase infinite money glitch aftermath, just like you'd expect, once the glitch was patched, TikTok users started posting about enormous sums of money that are now owed back to the bank, with massive negative account balances. Because in no way would this ever be a situation where Chase Bank just lets people keep extra money. I mean, let's just break this down. If you're convicted of wire fraud, you could spend up to 20 years in federal prison and owe a penalty of up to $250,000. But if you commit wire fraud against a financial institution like a bank, you could be imprisoned for up to 30 years and owe as much as a million.

dollars in fines, of course, in response to all of this. Chase Bank recently made a statement that we are aware of the incident and it has been addressed. Regardless of what you see online, depositing a fraudulent check and withdrawing funds from your account is fraud, plain and simple. Since then, Chase has fixed the bug and is reportedly combing through the system to retrieve their money. Some people who took advantage of this now say that their accounts are locked, pending transactions are shown as deductions, and negative account balances are shown. But as far as how other infinite money glitches played out in the past, so far, the results have always been really, really bad for the customer. Like, just take a look at the one that happened last year, the cash app infinite money glitch. Back then, cash app users discovered that during an update, they could add unlimited funds to their cash app balance without those funds being pulled from their banking institution. Even though they couldn't withdraw those funds in cash, they could make payments to online retailers. So, that's what they did. One or even

reported spending as much as $40,000 until cash app reconciled the account and asked for their money back after all according to their terms of service. After 45 days of an overdrawn account, cash app will begin steps to retrieve the money. We might contact you or take other legal actions to collect amounts due. There's also the fake check scam that's been around forever where someone sends you a check for a higher amount than what's owed. They ask you to send back the difference and then after a week or two their check bounces. The bank claws back the money you thought was available and you've sent them an amount that you can no longer recover. Or some people might even remember the Robin Hood infinite money glitch that occurred in 2019. Back then one user posted on Wall Street bets how he was able to borrow an infinite amount of money by purchasing call options, selling those call options and then borrowing against his purchase as many times as he wanted. Essentially he was able to turn $33,000 into a $17 million investment.

Portfolio within a day, with plenty of others following his lead and doing exactly that. Now, if you thought the story ended there, think again. I actually reached out to this user on Reddit, got him on my channel, and confronted him about the consequences of what he did. And if you're curious what ended up happening to him, here you go, right from the source. To summarize, I'm officially banned from ever using Robin Hood again. And then they also stated an amount of money that I have to pay. I'd rather not say how much. It's not horrible. It's not as bad as I was expecting because at one point my account was at the very top, was negative 249,000. And I have a screenshot of that. If I could go back in time, I probably would not have done this. Of course, some people tried to make the argument that borrowing money from within an investment account isn't exactly illegal if they allow you to do it. But make no mistake, this is still

significantly different than knowingly writing fake checks and trying to scam the bank out of their own money. So, in terms of the realistic consequences for the Chase bank glitch, here's my opinion. Now, I'm just guessing, but most likely, Chase Bank is going to do everything at their disposal to retrieve the money that was stolen. And if the money is not returned within a certain time frame, they have the resources to file lawsuits and go after people criminally. Again, I could be wrong, but I have a feeling that Chase would want to make an example of this, that people can't take advantage of them without severe consequence. Because if they let this slide, who's to say people won't try other methods of obtaining free money? Second, this is also precisely why banks take your transaction history into account when deciding on limits. Like, if you're a customer with a bank for 10 years and your average account balance is $100,000, most likely you're pretty safe depositing a $20,000 check. But if you're a brand new customer with $50 to

your name. Chances are they're going to want to hold off a little longer on that $10,000 deposit. That's why the way I see it, this Chase bank glitch really isn't anything new. It's just a fancy word for check fraud, which has been around for quite some time. Except in this case, the bank allowed you to withdraw money that you just deposited before they were able to confirm that check was 100% good. Of course, now this exploit is fixed, so no, you can't do this anymore. But it is shocking to see just how quickly this information spread online and then how many people thought they could get away with it and that a banking glitch would ever work in their favor because it never does. Eventually, banks are going to catch on, accounts are going to be fully caught up, and if you owe the difference, you're going to be 100% responsible for paying it back. Oh, and also, if you couldn't tell, I'm filming this video incredibly sick, and my voice gave out quite a few times. In fact, I had to refilm.

this entire section because it came out blurry. So, if you guys appreciate all the work I do to try to bring you up-to-date information, it would mean the world to me if you hit the like button and subscribe. That's all I ask for. If you made it through the whole video and you haven't subscribed already, so it's totally free, just give it a quick tap. Thank you so much. Really appreciate it. And until next time.

Chase Bank Glitch: How To Get "Infinite Money" (DON'T DO THIS)

As a 30 year old real estate agent and investor who started working in real estate shortly after turning 18, with over $120,000,000 in residential real estate sales since 2008, I've created this channel to share my successes, failures, and experiences in the real estate industry and to support others who are thinking of getting into the business. Oh, and I'm also obsessed with cars. A lot. So expect to see some cars uploaded to my channel. A lot. And Subscribe. Because all the cool kids are doing it.  

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Graham Stephan

체이스 뱅크 인피니트 머니 결함

소셜 미디어의 입소문을 타고 불법임에도 불구하고 체이스 은행에서 수만 달러를 무료로 현금으로 인출한 사람들이 속출하고 있습니다.

이 익스플로잇의 인기로 인해 뉴스 매체와 은행 자체에서 이 익스플로잇의 결과에 대한 경고를 발표하며 주의를 기울이고 있습니다.

이 결함은 은행이 수표 입금을 확인하는 데 걸리는 시간을 이용하여 일시적으로 자금을 사용할 수 있는 창을 만듭니다.

한 사람의 계좌가 수표를 현금화한 후 마이너스가 되었고, 몇 주 후 은행의 자금 확인이 모호한 탓에 부도 수표가 발생했습니다.

이 문제는 누군가가 수표를 입금하고 즉시 전액에 액세스할 수 있는 ATM에 대한 게시물을 TikTok에 올리면서 다른 사람들이 위조 수표를 작성하고 돈을 인출하도록 유도하면서 더욱 확대되었습니다.

수표 사기와 중범죄로 간주되는 이 악용 사례는 관련자들에게 심각한 결과를 초래하는 동시에 인터넷에 떠도는 개인 데이터에 대한 우려를 불러일으켰습니다.

인코그의 데이터 제거 서비스와 체이스 뱅크의 화폐 결함 여파

Incog는 개인이 반복적인 삭제 요청을 통해 브로커로부터 개인 데이터를 삭제할 수 있도록 도와줍니다.

이 서비스는 연간 요금제에서 60% 할인과 30일 환불 보장 정책을 제공합니다.

한편, 체이스 은행의 무한 자금 결함의 여파로 인해 사용자들은 막대한 마이너스 계좌 잔액과 잠긴 계좌에 직면하게 되었으며, 은행은 현재 미지급금을 회수하기 위해 시스템을 샅샅이 뒤지고 있습니다.

현금 앱은 45일 후에 초과 인출된 자금을 회수하기 위해 법적 조치를 취할 수 있으며, 사용자가 위조 수표 사기의 피해자가 된 이력이 있습니다.

2019년 로빈 후드 무한 머니 결함으로 인해 한 사용자가 33,000달러를 1,700만 달러로 바꿀 수 있었지만, 이로 인해 사용 금지 및 상환 의무가 발생했습니다.

체이스 은행은 최근의 결함으로 인해 도난당한 자금을 회수하기 위해 법적 조치를 취할 예정이며, 다른 사람들이 유사한 사기를 시도하는 것을 막기 위해 노력할 것입니다.

체이스 은행의 결함으로 인해 고객이 입금된 수표가 확인되기 전에 돈을 인출할 수 있었으며, 이는 수표 사기와 유사하게 보였습니다.

이 익스플로잇은 온라인에서 빠르게 확산되어 많은 사람들이 이를 이용하려 했지만 이후 수정되었습니다.

아픈 상태에서 촬영한 이 동영상 제작자는 최신 정보를 구독하는 것이 중요하다고 강조합니다.