Do they still do the thing where they structure debits to maximize penalties?
Say you have $100 in your account and 5 pending transactions: $6, $12, $1, $30, and $95. In that chronological order. The bank clears the $95 first, then the $6 which overdrafts you, then the rest, overdrafting you 3 more times. Whereas if they processed chronologically, you'd only overdraft the $95.
Regardless, the person whose account it is does bear some responsibility for overdrafting, even for lunch.
My bank actually orders transactions to make it so that I avoid the overdraft fees. If I get paid one day and also make a debit that would overdraft my account if the payment didn't clear first, they will place the payment first then the debit.
That's good of them. I mean, that's just good customer service and they'll probably keep you as a customer for far longer by not nickel and diming you at every chance.
Say you have $100 in your account and 5 pending transactions: $6, $12, $1, $30, and $95. In that chronological order. The bank clears the $95 first, then the $6 which overdrafts you, then the rest, overdrafting you 3 more times. Whereas if they processed chronologically, you'd only overdraft the $95.
Regardless, the person whose account it is does bear some responsibility for overdrafting, even for lunch.