If you know you are paid more than you deserve, it's best to NOT spend the money. I've got one now from and insurance co. that I'm sure they'll be calling about. I ran the check because it took 2 months to get paid by them but, the excess is in the bank and waiting on them to call for it. I'll be glad to pay it back but, I will not pay any interest. The only reason I ran it in the first place was because of how long I figured it would take to get the correct one! They were SLOW!