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    Criminal Law Keyed to Dressler

    People v. Whight

    Facts

    The Defendant opened a regular checking account at Tri Counties Bank in January of 1991. The Defendant was issued an ATM card with no expiration date. Although the account was opened with $3,750.99 in funds, eventually the account was depleted and became overdrawn by $6.17. As a result, the bank mailed a letter to defendant indicating that deposits sufficient to cover the deficiency needed to be made. When the Defendant failed to make the necessary deposit, the account was closed and the ATM card was viewed, from the bank’s point of view, as canceled. Although the account was canceled, the Defendant was able to use the ATM card at four Safeway stores to obtain more than $19,000 in March and April of 1992. The ATM terminals in the stores were connected to a computer system operated by Wells Fargo Bank. The Defendant was able to receive funds because it was Safeway policy to provide a stand-in approval code if and when Wells Fargo was unable to verify account information in a ti mely manner.

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    People v. Whight