They also like to re-order your pending transactions within a certain time windows to maximize bounce fees. (If you don't explicitly have overdrafting off, so

They also like to re-order your pending transactions within a certain time windows to maximize bounce fees. (If you don't explicitly have overdrafting off, so that it would just fail your transaction instead of letting it go through. The default setting may have changed in the last decade due to law but I remember these scenarios vividly) $0 balance +$20 -$1 -$1 -$1 Within a day or two of each other won't necessarily be positive $17 balance. It could easily become: $0 balance -$1 (overdraft fee $40) -$1 (overdraft fee $40) -$1 (overdraft fee $40) +$20 = negative $103 balance Banks make a lot of money doing this to poor people. The financial class is full of super-predatory behavior.