I don't care what anyone says, National City does reorder debits, hold credits and manipulates accounts to be able to charge more NSFs than should be necessary. True, they have the right to charge you a fee if they cover a bounced item, but to change things around to cause more fees is wrong.
I've had a case where I had $100 in my account. I overdrew my account by ONE CENT—ONE CENT. It was a mathematical error on my part and I admit it, before anyone jumps my butt about not spending money I don't have, yada, yada, yada.
So basically, my account should have been $-. 1 and fine, they can charge me $34.00 due to my own stupidity. However, this is how it went down: they put the $10.01 debit through first, because they knew it would overcharge my account. Then, they charged me the $34.00. Then, when I had a balance of $55.99, they put a $60 debit through, then charged me $34.00 for that since my account was now under the available amount, bringing my account to$-38.01. Then, they put a $40 debit through and charged me another $34.00, making my account $-112.01. All that for my original ONE CENT mistake. When I called them, the girl admitted they put whatever they can through first to cause it all and will charge on stuff that hasn't even posted yet to cause overdrafts. Deposits and credits are definitely LAST in line to post, so don't think since you put money in to cover it that you will be in the clear. They'll bounce everything, charge you the fees and then post your credit.
I've told me husband for years that they reorder debits and hold stuff to make sure they get more money and seeing all the posts about NC, I now know it's true.
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