I received a bank deposit straight into my bank account, and it was fine.
but someone on Reddit had his Bank of America deposit reversed AFTER it showed up in his online banking
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That might have more to do with Bank of America than anything else. What someone else said is very true, cash in your hand is cash in your hand. Accept no substitutes.
How come an online transfer get reversed ?
It went like this:
A guy bought BTC with depositing money in a branch into a BOA account. After he got the BTC he just went back to the branch and said he maid a mistake and they reversed the transfer and paid him back his cash. The sick thing was, they didn't even request a drivers license or anything...
Nay! That's easy for scammers and you just gave them the idea. Same thing with western union as far as I know can be reverse. So long as the cash wasn't withdrawn yet, the sender can definitely reverse back whenever they want, they just show the receipt and they can cancel the transaction.