Hi OP, I'm puttin in my twopenneth's worth here, and I hope it helps somewhat.
My son has just turned 9. He has been out "roaming the streets" since he was about 5/6. Yes,you read that right. The thing with him is he has always needed alot of space. I have always known where he was, ( I say roaming the streets, he wasn't, but he was playing out, but with shouting distance) it just feels like he was roaming about cos I have never been able to keep a rein on him, BUT
He is incredibly streetwise, knows rules about roads, who to talk to/not talk to, and he knows to come straight home should anything untoward be happeniing.
He has a cheap mobile phone, that I am in constant touch with him on.
He is out and about on his bike, and he is HAPPY.
OTOH his freind,who lives up the road, same age, is not allowed out of the garden , and he is a really timid, fearful chap.He will struggle to cope with life. as he has got no idea of how to behave when away from his "safe area".
My son knows my pin, as he does it for me at cash points as a responsibility thing.
I can't imagine how I would react if he took it, but it certainly wouldn't suprise me, and yeah I think it''s a bit spunky, shows some spark. (wrong, yes, but still imagineative).
There have been times when my son has been somewhere he shouldn't have, or he has lied about where he is, but he knows the consequences of this, and he is full of remorse, and has things taken off him. He may be grounded for a week because of it, and that, in itself, is bad for him, cos he needs to be out.
BUT i agree with what 1 poster said, don't ever make him feel you are angry and dissapointed with him as himself, more for what he has done, and his behaviour.
He sounds delightful tbh, and is very obviously searching for some attention, possibly from his useless father.
All this bleating on about kids being kept in the garden til theyre 18, ffs, they NEED to experience life, yes bad things happen, and bad people exist, but I honestly think all this helicopter parenting is stifling and suffocating, and i think that one day the child will rebel, and the parenst wwon't have a clue what's hit them.
" my child doesn't get further than the garden gate" WTF??????
Honestly, I can't see it, unless you live right on the edge of the motorway.
Children should be allowed their freedom, and to explore and discover, even if they discover what they've done is wrong.
OP I bet he won't do anything like this ever again, He probably didn't realise it was wrong, i;e didn't connect the money coming out of the bank is YOURS.
Good luck, STOP beating yourself up about it, and give him a cuddle.