I recently overdrew my checking account with my debit card. On October 16th, my balance was 28.68 and charge of 31.07 made my new balance -2.39. On October 16th, a NSF charge was posted to my account in the amount of $36.00 which in turn changed my balance to -$38.39. The same day, my deposit of $40.00 (which I made on the 15th) was posted and updated the balance to $1.61. On October 17th, another $36.00 NSF charge was posted to my account, which in turn left my account with another negative balance. The bank is claiming that one of the NSF charges is for the 31.07 debit which overdrafted my account, and the other NSF charge is for a debit in the amount of 2.64 that posted to my account on October 13th. My balance was 31.32 before the 2.64 charge. They are telling me that when my 31.07 debit was initiated, the 2.39 debit was still "pending." They are refusing to credit the 2nd NSF fee of $36.00. I feel this is unethical. It seems to me that if they play by that rule, then I should be able to bring up the point that my $40.00 payment was pending before the charge of 31.07 was posted to my account. It seems this is a double standard. I am wondering if this is even legal? Please let me know where I need to go from here. BTW, I live in Alabama.