Banks deliberately reorder customer transactions from largest to smallest to maximize overdraft fees, as demonstrated by a $50 balance with five purchases where chronological processing would cause only one overdraft but size-based reordering causes four overdrafts, which is why banks resist real-time processing that would eliminate this profit center.
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Banks STEAL Your Money With This Overdraft Fee Scam追加:
Did you know your bank deliberately processes your purchases largest to smallest to steal more overdraft fees?
Here's the scam. Say you have $50 and make five purchases. Coffee for $4, lunch for 12, gas for 30, groceries for 15, and dinner for 20. Chronologically, only dinner would overdraft, but banks reorder them by size first: gas, dinner, groceries, lunch, then coffee. Now, four transactions overdraft instead of one.
That's why they fight real-time processing so hard. It would kill their biggest profit center overnight.
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