Quote Originally Posted by redrumracer
if you would notice i said some banks, and to be honest i havent ever heard to many good things about BOA, and banks are a business first a foremost then they might be your friend secondly. they ARE out to make money

and on this they are covering all of it you just have to pay the bank back with a charge, so that point is invalid. and yes id rather have them run the smaller ones through first so id only get charged maybe one or 2 over charge fees.

and i dont blame anyone for my mismanagement of my money, but if a bank messes with my money i take the appropriate actions necessary, thats why you keep all receipts until they have cleared your bank that way you can go back and prove the order of transactions
Of course a banks are out to make money. Who isn't? The bank makes money by you keeping money in their bank. When you spend money you don't have, the bank has to front the money and they have to be compensated for your lack of money management.

Ummm... the order of your transactions means jack. It gets processed through your bank when the vendor/merchant processes their transactions. Wal-Mart usually processes their transactions daily, so you'll almost always see their money come out immediately. Some places process their transactions weekly, or every 2-3 days. This is why transactions don't post to your account for a few days at times.

You would rather Subway or some gas station get their money instead of paying on your mortgage or rent?? At least you've got your priorities straight. Bank researchers have suveys and polls and ask what most consumers would rather have paid first. Large transactions (rent, car payments, bills, mortgages) first and then small purchases (fast food, movie theatres, convenience stores) second in order of priority. Guess what? Most people would rather large financial obligations be paid first.