[jellicle]

> e.g: if you have $10 in your account, and you make a $3 purchase, a $4 purchase, and a $12 purchase, they'll run the charges in the order of $12, $4, and $3, hitting you with three fees instead of one.

Even better, if you have $10 and also a $500 paycheck hitting your account that night, which is to say that the bank KNOWS there is no overdraft and that you have the money in the account, they'll process them in this order: -$12 (fee), -$4 (fee), -$3 (fee), +$500 (most eaten by the fees).

And some programmer programmed that for them. Intentionally.

[CydeWeys]

I believe there is now a national banking regulation in effect that requires all credits in a day to be processed against your balance before all debits. So in your second situation, at least, you would no longer be hit with fees.

[moron4hire]

If that is the case, then PNC hasn't got the memo yet.