Maybe there are banks that post debits first and credits afterwards, but I have a few accounts at several banks across the country and have never seen that behavior. If they reorder my debits by dollar amount, I really don't care because no matter how they are ordered, they will clear, and while it might be true that banks reorder simply to increase fees, it could also be true that banks began reordering in response to customer abuse of the system.

Once banks made the decision to extend shadow lines to customers, customers soon learned that they could overdraw their accounts by small amounts to expand their money supplies. Reordering is a definite deterrent to that strategy. Do you really think that is behavior that should be encouraged? And eating themselves? The same could be said of many, many bank customers, but you seem bent on feeding that trend.