A woman who went to withdraw $20 from an ATM was shocked to see nearly $1 billion sitting in her account.
While some might be delighted to see $999,985,855.94 ($A1,320,087,328) in their bank account, Julia Yonkowski told WFLA she was "horrified"
Ms Yonkowski, from the US state of Florida, said she knew the money wasn't hers.
"I’ve read stories about people that took the money or took out money, and then they had to repay it and I wouldn’t do that anyway because it’s not my money," she said.
"It kind of scares me because you know with cyber threats. You know, I don’t know what to think."
She said she tried to withdraw $20 from the machine, but was told doing so would cause an overdraft and she would be charged.
However, it turns out Ms Yonkowski never had the near-billion amount in her bank account, as the balance was actually negative.
A representative from Chase Bank explained to WFLA the negative balance is a fraud prevention method used when an account is frozen.
Ms Yonkowski shared that bank account with her late husband and when she tried to withdraw the $20 her account was flagged.
To avoid a freeze on an account, people must fill out a series of documents in situations like Ms Yonkowski's.
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