<prompt> Human: TL;DR: Wells Fargo posted charges to my account in most to least expensive not the order they were made, causing 4 overdraft fees plus penalties, totalling 176 instead of 1 fee totalling 35. This is COMPANY POLICY.This actually happened a few years ago, but a recent Reddit post made me look into it again.Below is an excerpt from a letter sent to Wells Fargo at the time:On March 20th, I made 4 purchases, and apparently, due to the fact that someone I had brought from days earlier had not drawn on my account yet, I miscalculated my funds available, and became overdrawn. There were 4 overdraft fees, which in turn led to several Continuous OD fees.But these overdraft fees were not applied to my account until March 25th and 26th, despite the fact that all 4 purchases which led to the fees were made on the 20th And I have paper receipts to verify this.. At the time, I had over 600 in my other account, which Id have been happy to draw on to cover the funds, but I was under the impression that credit card transactions were instant a view that was re-enforced when I got home that night and saw one of the charges For Hertz Rent a car already applied to my account. That charge was for around 300, which was more than I expected, and I intended to question it. The next day it was gone, and I assumed Hertz had realised their mistake and were in the process of correcting it. But it does show why I believed that there was no delay by Hertz in processing the transaction. None of the other transactions appeared to be even Pending, and I had no way of anticipating when they would appear. Then suddenly, all 4 transactions went through at once, and Wells Fargo put the biggest transaction through first, causing all the others to bounce. Had they put the smallest through first, only the most expensive one Hertz would have bounced. This caused 3 more overdraft fees than were necessary.Wells Fargos response was in part as follows:In our Consumer Account Agreement CAA effective November 2008 regarding the Order of Posting, the Bank may post Items presented against the Account in any order the Bank chooses, unless the laws governing your Account either requires or prohibits a particular order. For example, the Bank may, if it chooses, post items in the order of highest to dollar amount to lowest dollar amount. The Bank may change the order of posting Items to the Account at any time without notice. Enclosed is a copy of page 22 from our CAA for your review.Personally, I find this practice disgraceful, and am no longer a customer. If you find this as offensive as I do, or if it has ever happened to you, please consider writing to them, and spreading this information.  <response>: You are responsible for keeping track of the money in your checking account. You should never be spending more than what you have. 