U.S. Bank Branch

No - Your Overthinking the Problem

What US Bank did in that situation is no different than any other bank would do; they all have identical policies. What happens is that the bank will sort your debits in descending order, which means all of those transactions will incur NSF fees. If the people at the bank told you to look over the bank's policies - then they were 100% CORRECT to tell you that.
It really is as simple as...

Posted by Jim on October 20, 2008. Brought to you by ripoffreport.

Jim...

Virtually every major bank that I can think of processes transactions from largest to smallest. You don't have to like it but to single out US Bank is not looking at the whole picture. It's not mind boggling, it's an industry standard,
The scenario that you described could have been averted with a ledger or a check register. Let's say that I had a thousand in my account. I knew that there was...

Posted by Edgeman on October 20, 2008. Brought to you by ripoffreport.

Oversimplified solutions

Keeping a ledger is of course a good, workable solution. But if you error, what US Bank does afterwards is truly mind boggling. Here is an example:
Account Balance $1000
You make 5 debit card purchases on Monday for $1 and the money is made unavailable in your account awaiting the merchant to send the transaction through ($995 available;$1000 balance). On Tuesday you make a debit card...

Posted by Jim on October 19, 2008. Brought to you by ripoffreport.

....

I dont understand how you folks keep misunderstanding this information. I have provided accurate, tested solutions to help the gentleman avoid this issue. It works... It does not appear any of you defy me on that point.
I don't suggest we should not be responsible for overdrafts, I DO suggest that the fees are insane. in my opinion charging someone such a high rate, and not providing them...

Posted by Misanthropy on September 25, 2008. Brought to you by ripoffreport.

Don't Be Foolish

Misanthropy, you don't get it. Banks will charge you a fee for everything I've listed down, and more. One day, you will find out, get more outraged, feel really foolish for not listening, and all because you thought you were right. You aren't. Your logic is and has been flawed from the getgo. I understand you have a beef with the bank - as I've said, your beef has no merit when the same...

Posted by Jim on September 22, 2008. Brought to you by ripoffreport.

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