Commerce Bank has, on more then one occasion, conveniently rearranged transaction so as to make my account negative and take their $35 NSF fees from me.
For instances, this morning I went on to check my account, as I do every day. A transaction that was not posted yesterday showed up as clearing yesterday and of course made my account negative. They then took their $35.00 fee and now I am deeper in the hole.
To top it off, my pay check was direct deposited last night. But, that shows up as a pending transaction. I work for the Federal Government.
Why would a Government pay check need time to clear.