Banks don't charge outrageous surcharges and fees to be evil. Yes they do. It's very common for commercial banks to intentionally order transactions which caus

Banks don't charge outrageous surcharges and fees to be evil. Yes they do. It's very common for commercial banks to intentionally order transactions which cause an overage such that they result in the highest amount of fees possible, and then charge an extra fee because you couldn't cover the overage fee. If this were simply banks trying to be profitable, why wouldn't they simply raise overage fees and charge them predictably? Is there a regulation which disallows this? Sorry, I'll stick with keeping my money with an institution that's not legally bound to engage in an adversarial relationship with me.