Mysterious, anonymous cash deposit in bank account
Without giving too many specifics, has anyone ever had a complete stranger, who looked Middle Eastern or African, deposit several thousand dollars cash in your U.S. account? This was done in America, but the bank branch was 1,400 miles away from the account holder's home. The account holder (white) shared no history or ethnic ties with the depositor.
No ID was asked for by the teller; an odd loophole that many banks still allow. The depositor only needed to give the account number and holder's name, presumably hacked. They didn't even sign the deposit slip. The transaction showed up online as a "Counter Credit" - meaning they walked up to the teller's counter window to deposit cash. The depositor's identity was vaguely remembered by the teller but getting video footage required a court order. No obvious crime was committed and the cash was clean. A final outcome is pending, but banks mainly take notice when money goes missing so it's not a hot case.
I'm looking for direct experiences or educated guesses as to why someone would make such a deposit. Money laundering comes to mind but only makes sense if they thought they could take over the whole account later. Mistaken name identity (still shady) is another possibility. Another concept is random altruism, aka Pay it Forward by dice roll from a list of random account numbers, hacked or legit.