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This would undoubtedly backfire just like that TikTok "hack" that happened a while ago. (If you're out of the loop, it boiled down to writing yourself a bad cheque for a ridiculous amount, and then spending the money that appeared in your account before it bounced. Presto! Cheque fraud! Bad things are coming to you soon!)
"We're sorry to inform you that you have spent money wrongly credited to your account. You now owe us all that money back and we've slapped on a 100% interest rate for good measure. You could fight this in court, but we have more money than Croesus, so you'll lose. Sincerely YourBank Inc."