Re: "I do confess that I had pulled a few hundred dollars out of the ATM in advance, just in case."
That fateful night I was on duty, after a year and a half working on that project, for a large bank.
At around 1AM I went to the nearest ATM and checked my balance and latest account movements (not an account from the bank I was working for). There was an interest credit of around the equivalent of 3000€. Resisting the urge to spend it there and then, I went back, showed the slip to my co-workers and pondered on what would happen from there on. At 8 AM, after an uneventful night on the job, I went down and checked my balance again. Without a trace of that earlier payment, it now showed the correct and, unfortunately, much smaller interest deposit...
Someone's night was indeed a lot more eventful than mine ;)