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I received $1000 and was asked to send it back. How was this scam meant to work?
Answers to your questions: (1) Do bank account numbers have a checksum. NO. (2) Is it plausible that they found out your number after sending you the money by "accident". NO. There is no way to find out who possesses a particular bank account just by the number. Also, how they even know they made a mistake? They targeted you and knew who you were and your bank account number before the "money" was sent. (3 and 4) Is this a scam? YES. They never paid you any money. They forged a check for a large amount and deposited it in an account. Then divided it up, wiring pieces to multiple people, all of whom they investigated beforehand. Since it is a bank to bank transfer it clears. Once the forgery is discovered, all the transfers will be unwound. If you had sent them money, you would have lost that money. Other things to note: There is zero chance of a wire transfer going to the wrong person because the sender has to list the name and address on the account as well as the number. You basically did the right thing which is to notify your bank that you received an unauthorized transfer into your account. Never accept money into your account from someone you don't know. If money "appears" in your account tell the bank it is an error and probably proceeds from a forgery and they will take care of it.