银行存款“离柜概不负责”？仙桃法院判决：返还！
<div class="wx_rich_media_content" id="jsWxContainer"><section data-role="outer" label="edit by 135editor" data-pm-slice="0 0 []"><section data-tools="135编辑器" data-id="167082"><section style='margin: 10px auto;'><section style='width: 70px;height: 30px;border-left: 1px solid #6296ff;border-top: 1px solid #6296ff;margin-bottom: -24px;box-sizing:border-box;'><span leaf=""><br></span></section><section style='background-color: rgb(241, 249, 255); padding: 30px 10px; margin-right: 6px; margin-left: 6px; box-sizing: border-box;'><section data-autoskip="1" style='text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background-color: transparent;'><p style='text-align:center;line-height: 2em;'><span style='font-size: 17px;letter-spacing: 2px;'><span leaf="">出于对资金安全的考虑</span></span></p><p style='text-align:center;line-height: 2em;'><span style='font-size: 17px;letter-spacing: 2px;'><span leaf="">很多人往往会</span></span></p><p style='text-align:center;line-height: 2em;'><span style='font-size: 17px;letter-spacing: 2px;'><span leaf="">将大额款项存入银行</span></span></p><p style='text-align:center;line-height: 2em;'><span style='font-size: 17px;letter-spacing: 2px;'><span leaf="">若过程中柜员录错存款数额</span></span></p><p style='text-align:center;line-height: 2em;'><span style='font-size: 17px;letter-spacing: 2px;'><span leaf="">这笔损失应该由谁来承担呢？</span></span></p><p style='text-align:center;line-height: 2em;'><span style='font-size: 17px;letter-spacing: 2px;'><span leaf=""><br></span></span></p><section style='text-align:center;' nodeleaf=""></section><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">近日，仙桃法院依法审结一起不当得利纠纷案。</span></span></p><section data-role="title" data-tools="135编辑器" data-id="167091"><section style='margin: 10px auto;display: flex;justify-content: center;'><section><section style='width: 20px;margin-bottom: -10px;box-sizing:border-box;'><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 41.59 35.38" style='display: block;'><g data-name="图层 2"><g data-name="图层 1"><path d="M0,35.38H18.26V17.5H9.51a31,31,0,0,1,1.4-7.8A34.58,34.58,0,0,1,15,1.78L10.27,0A32.92,32.92,0,0,0,3,9.51,23.54,23.54,0,0,0,0,20.42Zm23.46,0H41.59V17.5H33.1a33,33,0,0,1,1.33-7.8,30.21,30.21,0,0,1,4.12-7.92L34,0a30.72,30.72,0,0,0-7.54,9.51,23.54,23.54,0,0,0-3,10.91Z" style='fill:#6296ff;fill-rule:evenodd;'></path></g></g></svg></section><section style='background-color: rgb(223, 239, 255); padding: 10px 25px; margin-right: 5px; margin-left: 5px; box-sizing: border-box;'><section style='font-size: 17px;color: #1d294b;text-align: center;box-sizing: border-box;'><strong data-brushtype="text"><span leaf="">案情简介</span></strong></section></section><section style='width: 100%;height: 5px;background: linear-gradient(to right,transparent,#aed2ff,#87fef1);margin-top: -4px;max-width:100% !important;box-sizing:border-box;' data-width="100%"><span leaf=""><br></span></section></section></section></section><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">2025年1月，田某前往某银行办理现金存款业务，由其侄子将携带的现金在柜台现场清点，共计28万元。经办柜员戴某在操作过程中出现失误，误将28万元录入为29万元，并实际存入田某账户。当日，田某还办理了其他转账业务。次日，戴某在日终盘库时发现现金短缺1万元，经调取监控反复核对，确认系存款操作差错导致。</span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf=""><br></span></span></p><section data-tools="135编辑器" data-id="166577"><section style='margin: 10px auto;'><section style='display: flex;justify-content: space-between;align-items: flex-end;'><section style='margin-bottom: -8px;'><section style='display: flex;'><section style='width: 3px;height: 3px;background-color: transparent;box-sizing:border-box;'><span leaf=""><br></span></section><section style='width: 3px;height: 3px;background-color: transparent;box-sizing:border-box;'><span leaf=""><br></span></section><section style='width: 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leaf=""><br></span></section></section><section style='display: flex;'><section style='width: 3px;height: 3px;background-color: #1a3566;box-sizing:border-box;'><span leaf=""><br></span></section><section style='width: 3px;height: 3px;background-color: #1a3566;box-sizing:border-box;'><span leaf=""><br></span></section><section style='width: 3px;height: 3px;background-color: #1a3566;box-sizing:border-box;'><span leaf=""><br></span></section><section style='width: 3px;height: 3px;background-color: transparent;box-sizing:border-box;'><span leaf=""><br></span></section><section style='width: 3px;height: 3px;background-color: transparent;box-sizing:border-box;'><span leaf=""><br></span></section></section></section></section><section style='width: 35px; height: 3px; background-color: rgb(22, 104, 253); margin-right: auto; margin-left: auto; box-sizing: border-box;'><span leaf=""><br></span></section></section></section><p style='line-height: 2em; text-indent: 2.23529em;'><span style='font-size: 17px;text-indent: 2.23529em;background-color: transparent;caret-color: red;letter-spacing: 2px;'><span leaf="">发现问题后，某银行方及戴某多次与田某联系沟通，并邀请派出所民警一同调解，均被田某以存款金额无误为由拒绝。为弥补银行短款，戴某依据银行内部管理规定，自行赔偿了1万元。后因协商无果，戴某为维护自身合法权益，将田某诉至仙桃法院，要求其返还不当得利1万元。</span></span><span leaf=""><br></span></p><section data-role="title" data-tools="135编辑器" data-id="167091"><section style='margin: 10px auto;display: flex;justify-content: center;'><section><section style='width: 20px;margin-bottom: -10px;box-sizing:border-box;'><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 41.59 35.38" style='display: block;'><g data-name="图层 2"><g data-name="图层 1"><path d="M0,35.38H18.26V17.5H9.51a31,31,0,0,1,1.4-7.8A34.58,34.58,0,0,1,15,1.78L10.27,0A32.92,32.92,0,0,0,3,9.51,23.54,23.54,0,0,0,0,20.42Zm23.46,0H41.59V17.5H33.1a33,33,0,0,1,1.33-7.8,30.21,30.21,0,0,1,4.12-7.92L34,0a30.72,30.72,0,0,0-7.54,9.51,23.54,23.54,0,0,0-3,10.91Z" style='fill:#6296ff;fill-rule:evenodd;'></path></g></g></svg></section><section style='background-color: rgb(223, 239, 255); padding: 10px 25px; margin-right: 5px; margin-left: 5px; box-sizing: border-box;'><section style='font-size: 17px;color: #1d294b;text-align: center;box-sizing: border-box;'><strong data-brushtype="text"><span leaf="">法院审理</span></strong></section></section><section style='width: 100%;height: 5px;background: linear-gradient(to right,transparent,#aed2ff,#87fef1);margin-top: -4px;max-width:100% !important;box-sizing:border-box;' data-width="100%"><span leaf=""><br></span></section></section></section></section><section style='text-align:center;' nodeleaf=""></section><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf=""><br></span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">仙桃法院经审理认为，本案的</span><span style='color: rgb(255, 192, 0);'><strong><span leaf="">核心争议</span></strong></span><span leaf="">在于</span><span style='color: rgb(255, 192, 0);'><strong><span leaf="">田某实际交付的存款金额究竟是多少</span></strong></span><span leaf="">？承办法官吴定帮对戴某提交的多段</span></span><span style='letter-spacing: 2px;'><span leaf="">监控视频</span></span><span style='letter-spacing: 2px;'><span leaf="">进行了细致审查。视频清晰显示，田某的侄子在递交现金前，对捆扎好的现金进行了手动清点，共计28捆，且前10捆现金带有明显白色扎条。柜台内两位柜员分别清点的现金合计也为28万元。虽个别时段监控有数秒缺失，但缺失前后画面中现金摆放状态与已清点部分均无变化。综合全案证据，</span><span style='color: rgb(255, 192, 0);'><strong><span leaf="">足以认定田某实际交付并存入的现金为28万元。</span></strong></span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">最终，仙桃法院依法判决田某向戴某返还不当得利1万元。该判决现已生效。</span></span></p><section data-role="title" data-tools="135编辑器" data-id="167091"><section style='margin: 10px auto;display: flex;justify-content: center;'><section><section style='width: 20px;margin-bottom: -10px;box-sizing:border-box;'><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 41.59 35.38" style='display: block;'><g data-name="图层 2"><g data-name="图层 1"><path d="M0,35.38H18.26V17.5H9.51a31,31,0,0,1,1.4-7.8A34.58,34.58,0,0,1,15,1.78L10.27,0A32.92,32.92,0,0,0,3,9.51,23.54,23.54,0,0,0,0,20.42Zm23.46,0H41.59V17.5H33.1a33,33,0,0,1,1.33-7.8,30.21,30.21,0,0,1,4.12-7.92L34,0a30.72,30.72,0,0,0-7.54,9.51,23.54,23.54,0,0,0-3,10.91Z" style='fill:#6296ff;fill-rule:evenodd;'></path></g></g></svg></section><section style='background-color: rgb(223, 239, 255); padding: 10px 25px; margin-right: 5px; margin-left: 5px; box-sizing: border-box;'><section style='font-size: 17px;color: #1d294b;text-align: center;box-sizing: border-box;'><strong data-brushtype="text"><span leaf="">法官说法</span></strong></section></section><section style='width: 100%;height: 5px;background: linear-gradient(to right,transparent,#aed2ff,#87fef1);margin-top: -4px;max-width:100% !important;box-sizing:border-box;' data-width="100%"><span leaf=""><br></span></section></section></section></section><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">银行柜面业务涉及大量现金往来，操作规范与资金安全至关重要。本案中，银行职员因疏忽造成差错并先行赔付，体现了</span><strong><span style='color: rgb(0, 176, 240);'><span leaf="">岗位责任</span></span></strong><span leaf="">；而客户在明知可能系他人错误所致获利后，负有核实与返还的义务。司法裁判支持受损方追回不当得利，不仅是对</span><span style='color: rgb(0, 176, 240);'><strong><span leaf="">个体财产权的保护</span></strong></span><span leaf="">，更是对</span><span style='color: rgb(0, 176, 240);'><strong><span leaf="">诚信原则</span></strong></span><span leaf="">和</span><span style='color: rgb(0, 176, 240);'><strong><span leaf="">公平有序金融交易秩序的维护</span></strong></span><span leaf="">。</span></span><span style='color:#92d050;'><strong><span style='letter-spacing: 2px; text-decoration-line: underline; text-decoration-style: solid; text-decoration-color: rgb(146, 208, 80) !important;'><span leaf="">同时也要提醒大家，君子爱财，取之有道。在现实生活中，当没有合法根据获得财产时，应当主动归还，切勿心存侥幸，不要因为贪图一时便宜，让官司缠身</span></span></strong></span><span style='letter-spacing: 2px; text-decoration-line: underline; text-decoration-style: solid; text-decoration-color: rgb(146, 208, 80) !important;'><span leaf="">。</span></span></p><section data-role="title" data-tools="135编辑器" data-id="167091"><section style='margin: 10px auto;display: flex;justify-content: center;'><section><section style='width: 20px;margin-bottom: -10px;box-sizing:border-box;'><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 41.59 35.38" style='display: block;'><g data-name="图层 2"><g data-name="图层 1"><path d="M0,35.38H18.26V17.5H9.51a31,31,0,0,1,1.4-7.8A34.58,34.58,0,0,1,15,1.78L10.27,0A32.92,32.92,0,0,0,3,9.51,23.54,23.54,0,0,0,0,20.42Zm23.46,0H41.59V17.5H33.1a33,33,0,0,1,1.33-7.8,30.21,30.21,0,0,1,4.12-7.92L34,0a30.72,30.72,0,0,0-7.54,9.51,23.54,23.54,0,0,0-3,10.91Z" style='fill:#6296ff;fill-rule:evenodd;'></path></g></g></svg></section><section style='background-color: rgb(223, 239, 255); padding: 10px 25px; margin-right: 5px; margin-left: 5px; box-sizing: border-box;'><section style='font-size: 17px;color: #1d294b;text-align: center;box-sizing: border-box;'><strong data-brushtype="text"><span leaf="">法条链接</span></strong></section></section><section style='width: 100%;height: 5px;background: linear-gradient(to right,transparent,#aed2ff,#87fef1);margin-top: -4px;max-width:100% !important;box-sizing:border-box;' data-width="100%"><span leaf=""><br></span></section></section></section></section><p style='text-align:center;line-height: 2em;'><span style='font-size: 17px;letter-spacing: 2px;'><span leaf="">《中华人民共和国民法典》</span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">第九百八十五条得利人没有法律根据取得不当利益的，受损失的人可以请求得利人返还取得的利益，但是有下列情形之一的除外：</span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">（一）为履行道德义务进行的给付；</span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">（二）债务到期之前的清偿；</span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">（三）明知无给付义务而进行的债务清偿。</span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">构成不当得利应当具备四个条件：</span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">1.必须得利人一方获得财产利益；</span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">2.必须因不当得利导致他人受损；</span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">3.得利人的获益与受害人的受损之间有因果关系；</span></span></p><p style='line-height: 2em;text-indent: 2.23529em;font-size: 17px;'><span style='letter-spacing: 2px;'><span leaf="">4.得利人获得利益没有法律上的根据。</span></span></p></section></section><section style='width: 50%;height: 7px;background: linear-gradient(to right,transparent,#aed2ff,#87fef1);margin-left: auto;margin-top: -5px;box-sizing:border-box;max-width:50% !important;' data-width="50%"><span leaf=""><br></span></section></section></section><section data-role="paragraph"><p><span leaf=""><br></span></p></section><section data-tools="135编辑器" data-id="167065"><section style='margin: 10px auto;display: flex;justify-content: center;'><section><section style='width: 60px;margin-bottom: -16px;box-sizing:border-box;'><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 109.34 38.31" style='display: block;'><g data-name="图层 2"><g data-name="图层 1"><path 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style='fill:#f2f2f2;fill-rule:evenodd;'></path></g></g></svg></section><section style='background-color: rgb(98, 150, 255); border-radius: 5px; padding: 7px 22px; margin-right: 6px; margin-left: 6px; box-sizing: border-box; transform: rotateZ(0deg);'><section style='font-size: 16px;color: #ffffff;text-align: center;'><strong data-brushtype="text"><span leaf="">END</span></strong></section></section><section style='width: 100%;height: 25px;background: linear-gradient(to right,transparent,#87fef1);margin-left: auto;margin-top: -18px;max-width:100% !important;box-sizing:border-box;' data-width="100%"><span leaf=""><br></span></section></section></section></section></section><section data-role="paragraph" style='-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; text-align: justify; letter-spacing: 0.578px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important;' data-pm-slice="0 0 []"><section data-role="paragraph" style='-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; box-sizing: border-box !important;'><p style='color: rgba(0, 0, 0, 0.9); font-size: 17px; -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: normal; box-sizing: border-box !important;'><span style='-webkit-tap-highlight-color: rgba(0, 0, 0, 0); outline: 0px; max-width: 100%; color: rgb(0, 0, 0); font-size: 15px; letter-spacing: 0.5px; caret-color: red; box-sizing: border-box !important;'><span leaf="" style='-webkit-tap-highlight-color: rgba(0, 0, 0, 0); outline: 0px; max-width: 100%; box-sizing: border-box !important;'><br></span></span></p><p style='-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: normal; box-sizing: border-box !important;'><span style='-webkit-tap-highlight-color: rgba(0, 0, 0, 0); outline: 0px; max-width: 100%; letter-spacing: 0.5px; caret-color: red; box-sizing: border-box !important;'><span leaf="" style='-webkit-tap-highlight-color: rgba(0, 0, 0, 0); outline: 0px; max-width: 100%; box-sizing: border-box !important;'><font size="1" style='' color="#c0c0c0">来源/湖北省仙桃市人民法院</font></span></span></p></section></section><section data-role="outer" label="edit by 135editor" data-pm-slice="0 0 []"><section data-tools="135编辑器" data-id="97253"><section style='margin: 10px auto;'><section style='width:50%;margin-left:50%;margin-top:5px;box-sizing:border-box;max-width:50% !important;' data-width="50%" nodeleaf=""></section></section></section></section><p style='display: none;'><mp-style-type data-value="3"></mp-style-type></p></div><p></p> 那就把“离柜概不负责”这一条款删除，改为“谨慎核对，以免造成不必要的麻烦”！ 如果是银行搞错，导致存款人少存一万，请问后面我们发现了，还能够要的回来吗？ 夜风亦冷 发表于 2025-12-13 16:14
如果是银行搞错，导致存款人少存一万，
请问后面我们发现了，还能够要的回来吗？ ...
要自己取证{:216:}
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