Only difference is I was on another continent at the time. I was deliberately waiting for my next paycheck to direct deposit before spending money, but somehow they got me anyway. Executives at banks and credit unions have ADMITTED they deliberately assess the largest charges first, regardless of when they were made, to maximize the chance of hitting you with overdraft fees. Many credit unions, my own included, have begun operating more like private banks than member owned credit unions, which is why my mother and I are both in the process of dropping our primary one for her parents credit union, the one that, because it's legally barred from making a profit, actually distributes any profits to members annually.