https://www.forbes.com/sites/halahtouryalai/2013/06/11/yes-banks-are-reordering-your-transactions-and-charging-overdraft-fees/ https://www.forbes.com/sites/hala

https://www.forbes.com/sites/halahtouryalai/2013/06/11/yes-banks-are-reordering-your-transactions-and-charging-overdraft-fees/ https://www.forbes.com/sites/halahtouryalai/2013/06/11/yes-b... > JPMorgan Chase says its policy is laid out in its Deposit Agreement which is available without a login. Transactions orders can vary by state. (See page 7 of the link beneath "Overdrafts".) Citi says it recently launched a program that simplifies the overview of account policies and outlines the fact that check and ACH transactions are processed in the order of smallest to largest to help minimize overdraft fees. So not quite “to produce deficits if possible”, but certainly more convoluted than it should be, which is why the CFPB got involved.