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Yes the classic one is that you make a transfer on the checking acct instead of savings and end up using a bit of you line of credit. So you get the payoff amount and pay it, but it doesn't include the interest for today. So tomorrow, you still owe a few cents and if you don't pay it off (because you thought you did pay it off already and they don't notify you until it's actually late), you end up with another $30 late fee for a fraction of a $ in interest. Looking at you Santander.

Back in the day the banks used to order your withdrawals largest first when posting them overnight to maximize the number of times you'd get overdrawn (and get an overdrawn fee). People would get hit by multiple overdrawn fees in one day. I think they outlawed that one a few years ago.



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