Wachovia did that shit to me one time and racked up hundreds of dollars of overdraft fees. They didn’t process the charges chronologically, nor did they smallest amount to largest. They charged the largest first and kept going (second largest, third, …). Worst part of it was I asked the teller before the spending spree (financial aid check when I was in college) when the funds would be available. She told me immediately. If I’d have just waited until the next business day for them to actually be available, nothing at all would have overdrafted.