Even if they limit it to $3, which is much better, you can still do slimy things like process the large transaction first (say, a mortgage payment), then proces

Even if they limit it to $3, which is much better, you can still do slimy things like process the large transaction first (say, a mortgage payment), then process all the little transactions afterwards, stacking overdraft fees for each one. This is what BofA got sued for. Can turn a $3 charge into $45 pretty quickly.