Hi Jake,
As soon I heard the overage, I contacted the Sheriff, FBI and the Bank Security Department. The money is definitely there and in my account.
I put a freeze on my account so no transactions can take place -- Mary thought he might have enough info of mine that he could arrange transfers from my account, although I believe that banks don't just take phone calls and wire money that haphazardly.
The bank does not think it is a scam at this time.

Think I will just go ahead and buy a new boat with it.

Rick