Chase Bank: Unfairly Collecting Insufficient Funds Fees!

Ever wonder how JPMorgan Chase Bank makes so much money ($96 BILLION in Revenues in 2013)? One way is through Insufficient Funds Fees. What's most disturbing is HOW Chase accumulates this money: Through the unfair practice of processing any/all checks (highest amounts first, then lowest) BEFORE processing any/all deposits each night. With this policy in place, Chase customers can - if not careful - incur multiple Insufficient Funds (IF) Fees, when these fees could be minimized or negated altogether. How so? Here's an example: Let's say on Thursday night your Chase checking account has a balance of $50 but $1,000 dollars in deposits is set to come through on Friday. You also have two outstanding checks set to come through, one for $40, the other for $60. Chase will FIRST process the $60 check, which will put your balance at $-10 (and you'll be hit with a $34 IF Fee; now your balance is $-44) and THEN process the $40 check, which will extend your balance to $-84 (add another $34 IF Fee). When the dust settles, your checking account balance is at $-118 (and Chase just made $68). Only after that, will Chase process any/all deposits. As alternatives to this current policy, Chase could: A.) Process any/all deposits FIRST and then process any/all checks, or B.) At the very least, if Chase continues to process checks FIRST, do so in the order of lowest-to-highest amounts. Using the example above, if the $40 check was processed FIRST followed by the $60 check, a customer would only incur one $34 IF Fee. If you believe this Chase Bank policy is unfair to its customers, I would appreciate your signature as well as your help in forwarding it on to others to sign. Thank You! Dan O'Bryan