COOKEVILLE, Tenn. -- What seemed like a good idea to pay off a credit card has become a big pain for a Cookeville resident.

At the end of February, Diana Taylor said she took $11,000 from her safety deposit box and gave it to a First Tennessee Bank teller to deposit it into an account.

She still has the receipt that indicates an $11,000 deposit was made.

However, a few hours after she made the transaction, the bank called Taylor and said there was a mistake, claiming she had only deposited $10,100.

What happened to the other $900?

"I'm not going to point fingers, but I know what I did. I know what I counted. I know what I had. I don't know where it went," said Taylor.

Because of its confidentiality policy, First Tennessee wasn't able to give Channel 4 specific information about Taylor's account.

However, Channel 4 found in the liability section of First Tennessee's depositor agreement that "if we make an error in your favor, you agree that you immediately owe us the amount in error."

Taylor wasn't aware of that before Channel 4 showed it to her.

"I finally got a hold of them, and asked them to investigate it, and they said they would do an investigation," said Taylor.

She said she is considering suing First Tennessee, purely out of principle.

"I just feel like I have to do something about it," said Taylor.

First Tennessee's banking agreement limits a customer's legal options against the bank. Taylor she is changing her bank after this problem.

A company spokesman told Channel 4 if a mistake shortchanges a customer, they will credit an account. He also said these rules are pretty standard in the banking industry, so it is important to read and understand the fine print.