I wrote a check to a friend that owns a business. I transferred money from checking to savings and the check bounced. I saw it the next day when I checked my account. My friend didn't know but I proactively told him and gave him a new check and asked what fees he's going to get hit with and made him whole. He told me that he learned a lot about me that I approached him to make things right. Things happen. It's how we respond that makes the difference.