The following is related to U.S. Bank. On XXXX/XXXX/2015 I used my checking account-linked debit card to make several purchases. I made these purchases knowing that my checking account was low on funds. I monitored my account throughout the day, frequently checking the balance. I was diligent about not overdrawing the account. At the end of the day, a {$25.00} automatic monthly transfer was made to my savings account even though these funds did not exist. US Bank manipulated the payment processing order so that the {$25.00} automatic transfer was the FIRST payment processed on XXXX, thus a guaranteed overdraft charge. Several days later I was notified of a {$36.00} overdraft fee via mail. Additionally, I was charged a {$25.00} extended overdraft fee, meaning the account was overdrawn for a five day period. I contacted my home branch to explain why the charges were unfair and the branch manager said she could only remove the {$25.00} extended fee. I told her that I would be banking with a different institution so she changed her mind and said she would remove the original {$36.00} fee in an effort to " help me out '' but not the {$25.00} extended fee that was a result of the original fee. 
All of these events occurred despite the fact that I am " opted out '' of overdrafts. This option, however, does n't apply if the charge is a recurring monthly charge for gym memberships, XXXX, etc. The charge that put me into overdraft was conveniently my $ 8 monthly XXXX subscription that went through on the same day. I called XXXX to see what time the charge went through on XXXX. It went through at XXXX XXXX. US Bank manipulated the payment processing order so that the automatic recurring XXXX payment was the payment that went through when there were not enough funds to cover it. 
U.S. Bank 's manipulative payment processing resulted in my account being overdrawn by around {$4.00}, leading to {$61.00} in fees. 
