[Something1234]

As an aside wouldn't the way to maximize overdraft fees be to apply transactions in sorted highest debit to lowest, and only then start to apply deposits. It wouldn't be so dark if they just mention it as how they do the fee charging.

[mindslight]

Yes, that is exactly what Bank of America used to do, including putting an overnight hold on cash given to a teller. Regardless of what the fine-print-nobody-reads said, it was "dark" and illegal and eventually stopped due to a class action lawsuit.

(One of) their current scam(s) has gotten a bit cleverer in that they don't actually break the law themselves but rather just induce their customers to commit check fraud - if you receive a check drawn on Bank of America and present it in person at one of their branches, they won't honor it for the full amount!