My 13yr old just learned that yesterday as she opened her first checking account. We got her all set up with a debit card, go to the teller and made her first deposit. The teller was writing down the cash and checks and finished the transaction. We were walking out and I told my daughter that didn’t seem right. She had totaled $305 in cash and $50 in checks. Daughter had two $100, a $50 and at least $100 in 20’s so something didn’t seem right. I go back to the teller and she had missed one of the $100 bills. Not a great first transaction for a new account holder if they are going to short you money every time.