For folks right at the edge the decision may come down to "which is higher, the late fee or the overdraft fee?" A few years back there was a case against one o

For folks right at the edge the decision may come down to "which is higher, the late fee or the overdraft fee?" A few years back there was a case against one of the big banks over structuring transactions on the same day - the bank was doing them largest to smallest, with the end result that people were being hit with multiple overdraft fees in one day. If you had enough for 3 of 4 bills but would be $100 short on the largest, the bank would pay the big one, then the second largest, then either cover or bounce the last two while charging an overdraft fee for each. At the end of the day instead of being $100 short you were $200 sorry with extra fees.