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I have work at a bank for over 20 years. When a customer makes an honest error, the bank has always refunded the fees "as a one time courtesy". <br> As for banks clearing the highest amount first, there is a logical reason. Mortgage, insurance, car, electric bill.. and so on are usually the high amounts. If these checks are returned you are charged a hefty fee on the other in. Most people want their mortgage payment paid first. <br> For the man who wrote the check to the church every Sunday. The bank can not hold debit to your account to pay on a Tuesday. Is it possible the church made the deposit earlier than usual ? Also, checks clearing in the same district as the deposit are clearing much faster. <br> When you use your ATM card, the funds have to be avaiable at the time of use. It's also possible that from the time it is used until it post, another check cleared your account and used the funds. <br> Bottom line .. use Online Banking every day and balance your account. Do not take the chance and write a check if the funds are not available. It's a game YOU are playing, not the bank. <br> ATM fees? Most banks don't charge anymore. However, if you use your card in another bank, the foreign bank may charge. There is some processing involved and will be a fee for this. <br> Yes, you have to shop around for the bank that meets your needs. That is your responsibility to make the right decision. <br> Oh. And for the man who withdrew $60.00 and had a balance of only $40.00, you should have been charged, no matter how much the fee is.
By Ann
