Sacramento Man Writes Check For $400, Bank Reads It As $4,000. What It Took To Get His Money Back. SACRAMENTO – A Sacramento man said his bank added a zero to a check he wrote. When it put his account in the red, he reached out to CBS13 and the Call Kurtis consumer investigative team to ask for help. But, what really upset Gerald Monroe Mann was how long the bank told him it would take to fix the mess. "How can you treat me this way?" asked Mann, a longtime customer of Wells Fargo Bank. Mann wrote a check for $400. It's handwritten in words, too. But, Wells Fargo interpreted it as $4,000 and that drained Mann's checking and savings accounts. The scenario put him nearly $900 in the red. "I'm not rich," Mann said. "Yeah. Money is important." Mann spent hours on the phone with his bank. He said they told him it would take 10 business days to investigate the matter. That left him without access to his own money. "Now I'm screwed because you screwed up," Mann said, referring to his bank. "Not cool." So, how does something like this happen? And, if it's clearly the bank's mistake, why does it take so long to fix it? The federal Office of the Comptroller of the Currency, which regulates banks, calls this type of mistake an encoding error. Essentially, a computer misread the amount of the check. But, 10 business days? That's essentially two weeks for the bank to fix its mistake