Multiple things could happen: - Their account will be negative - Bank wouldn't allow them to withdraw 10k due to a hold - Bank wouldn't allow them to spend m

Multiple things could happen: - Their account will be negative - Bank wouldn't allow them to withdraw 10k due to a hold - Bank wouldn't allow them to spend money due to a hold Anyway, in the end, victim's bank will get money back. A lot depends on the relationship of the scammer with their bank: - On my fresh account, I once did an ACH transfer around 15k, the bank placed a 60-day hold on those funds, it was a saving account, so I literally couldn't do anything with it for 60 days. - Some time later, the same bank got a 500k ACH transfer, bank placed a hold on half of it, but allowed me to withdraw the rest. - Another time I had 15k ACH transfer on "well established" checking account, bank still placed a hold on 10k. If it's a "fresh" bank account - you're not getting money out, specially if it's a transfer between two random consumer accounts until bank feels safe.