New 5/3 rules. I use a 5/3 mastercard debit card for daily purchases and have been doing this for over 7 years. Before you could charge an item today and it would post to your account tommorow. Without notice, they changed how these post to your account, they state they sent letter explaing new procedures. Starting january any charge that is over your available balance will charge a NSF fee. It will do this even if you put money that day. This is before they even post the money to your account. Example if you paid a bill at 11 pm tues the company send 5/3 notice that an item is going to come out of your account (they have not recieved money) 5/3 will bounce that item before the other bank has actually requested it. The other bank wouldn't get the money until weds.
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