Does backdating explain

Now, some customers have filed Under recent changes in the law, a bank cannot charge overdraft fees on debit purchases or ATM withdrawals unless the consumer specifically agrees.

Federal rules that took effect in 2010 no longer allow banks and credit unions to charge overdraft fees on ATM or debit card transactions unless the bank customer agrees to "opt-in" to overdraft protection.

That means that regardless of what order transactions occurred in on a single day, some banks process the largest transactions first.

That can lead to a lot in extra fees for a person to pay.

Bank accounts go into overdraft when more money has been taken out of the account than was actually in it.

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It can happen quite easily: a bank account has 0 in it, but the customer makes a debit card purchase for 0, pushing the account into overdraft.

Consumer Financial Protection Bureau reported in 2013 that 61 percent of bank profits from consumers come from overdraft and insufficient fund fees.

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