<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>fletchowns</author><text>This practice should be illegal, just like processing withdrawals before deposits is now illegal, which was also done to maximize overdraft fees (at least I&apos;m pretty sure it&apos;s illegal now).&lt;p&gt;Our government needs to make it easier to switch to a different bank. Tons of people would leave these awful banks for credit unions and such if it was easy to do. I mean it&apos;s possible to switch banks, it&apos;s a big headache though. People just have too many other things to worry about right now to deal with headaches like that.</text><parent_chain><item><author>jeffool</author><text>I had an annoying run in with them. It happened because I didn&apos;t know Suntrust didn&apos;t take out charges in the order they occurred. They take out the largest charge first, and each charge as they decrease in value.&lt;p&gt;One day I had had a few small charges, and realizing it was a week intl payday, I figured I&apos;d run to the grocery store and make a large precise of groceries, to ensure I had food taken care of, expecting to make s single overdraft.&lt;p&gt;Suntrust had other plans. They took out the large grocery bill first, meaning a quick lunch at Taco Bell cost over $40, shipping a small box cost over $50, and a Slim Jim and cream soda cost almost $40. In addition to the overdraft on the groceries.&lt;p&gt;It&apos;s a very easy trap to fall into if you&apos;re living check to check and make even the slightest mistake.</text></item></parent_chain></comment><story><title>The $36 soda: Overdrafting in America</title><url>http://banksimple.com/blog/Banking/the-36-dollar-soda-overdrafting-in-america/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>bherms</author><text>Yes, most banks do this now as a way to take advantage of their customers and generate more revenue.  I had it happen once on a road trip -- you know, the type where you stop frequently and purchase $2-$3 of junk food or drinks all the time -- and ended up with hundreds of dollars in overdrafts on what would have actually only been about $20 of overdraft.&lt;p&gt;Several banks are being sued at the moment in class action suits for this behavior if I recall correctly.  It&apos;s an unfair tactic that takes advantage of customers.</text><parent_chain><item><author>jeffool</author><text>I had an annoying run in with them. It happened because I didn&apos;t know Suntrust didn&apos;t take out charges in the order they occurred. They take out the largest charge first, and each charge as they decrease in value.&lt;p&gt;One day I had had a few small charges, and realizing it was a week intl payday, I figured I&apos;d run to the grocery store and make a large precise of groceries, to ensure I had food taken care of, expecting to make s single overdraft.&lt;p&gt;Suntrust had other plans. They took out the large grocery bill first, meaning a quick lunch at Taco Bell cost over $40, shipping a small box cost over $50, and a Slim Jim and cream soda cost almost $40. In addition to the overdraft on the groceries.&lt;p&gt;It&apos;s a very easy trap to fall into if you&apos;re living check to check and make even the slightest mistake.</text></item></parent_chain></comment><story><title>The $36 soda: Overdrafting in America</title><url>http://banksimple.com/blog/Banking/the-36-dollar-soda-overdrafting-in-america/</url></story>