[dirtboy]

I called when I discovered this and questioned them about it, and their answer was that they pay the largest first, assuming that the customer would want his housepayment paid rather than a check to the grocery store.

That's a load of bull, some wiseguy with an MBA figured that one out. I've worked with banks for too long to give them the benefit of a doubt, that they are doing this for any other reason than to get more fees from the situation, given that they in most cases know the chronological order of the transactions and have already adjusted the available balance prior to posting.

[Tuscaloosa Goldfinch]

I think you're right.