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My bank paid my largest check first and then the smaller ones. Doing so created more overdraft fees on my account. Why did the bank pay in this order?

You may write your checks in numerical order, but that doesn't mean the checks will post in the same order. The same is true with point-of-sale or other electronic transactions. They don't necessarily post in the order in which you made the purchases.

Your bank's policy on posting will generally appear in the account agreement. If your bank adopts a different posting policy throughout its territory, it normally should notify you via your statement or an amendment to the account agreement.

When several items come to the bank for clearing, the bank may debit them from your account in several ways so long as they are consistent with their disclosed practices.

Last Reviewed: October 2020

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

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