Large banks may reorder timing of debits to checking accounts to optimize fees paid by its customers.

Investigation of alleged actions of certain banks that wrongly charged multiple overdraft fees. The Bank structures your debit transactions in such a way that you will be charged several overdraft fees instead of just one. Consider the following example: Time 1: You have $100.00 in your bank account. Time 2: You use your debit card at Starbucks for $20.00. Time 3: You use your debit card at the gas station for $5.00. Time 4: You use your debit card at the grocery store for $105.00. Time 5: The Bank reorders the debits and posts the latest occurring $105 debit first, and then charges an overdraft fee. The Defendant Bank then posts the $20.00 debit, and then charges a second overdraft fee. The Defendant Bank then posts the $5.00 debit, and charges a third overdraft fee. If the bank would have posted the debits in order in which they actually occurred, you only would have incurred one overdraft fee. Instead, you are stuck with three. The bank's practice of reordering debit transactions constitutes an unlawful deceptive trade practice. The following banks may engage in wrongly charging multiple overdraft fees:Wachovia Bank; JP Morgan; Citibank; Bank of America; Wells Fargo; Chase Bank; U.S. Bank; Fifth/Third Bank.