Big time law - another way for "The Man" to stick it to the little guy... I can't beleive this kind of bullshit would fly under the radar without some seriously pissed off ppl. I've highlighted the part which pisses me off the most: This policy is NOTHING MORE than an effort for the bank to get more money from its customers. It's about generating revenue for the bank Its about the bank being better able to 'catch' customers playing tricks with THEIR money. It's only purpose is to allow the bank to send out more 'insufficient funds fees'. A few years ago, my bank would process our account this way: Each day, the bank would account for all the deposits we make, then run thru all the debits. Without letting us know, they changed the order to first subtract all the debits, THEN add the deposits. For example, I have a balance of $10 in my bank. The same day I write a check for $15 and submit a deposit for $50. My account would be processed like this: $10 - $15 check (+ $35 underage Fee) = balance -$40 + $50 deposit = $10 balance, INSTEAD of $10 + $50 = $60 - $15 check = $45 balance. When we called our bank, I asked the lady "What drove this policy change?" - The answer? The bank wanted to increase its profits. This Check21 is simply a license to find ways to steal more money from otherwise honest people. There are a few things I hate. Banks. Insurance Companies. Family Court Laws. Speedling Laws.