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fuzztesteryesterday at 10:49 AM1 replyview on HN

Same for database transaction roll back and roll forward actions.

And most enterprises, including banks, use databases.

So by bad luck, you may get a couple of transactions reversed in order of time, such as a $20 debit incorrectly happening before a $10 credit, when your bank balance was only $10 prior to both those transactions. So your balance temporarily goes negative.

Now imagine if all those amounts were ten thousand times higher ...


Replies

ill13yesterday at 1:19 PM

To clear, most banks "sort" transactions from to high to low to create more NSF fees on purpose.

That purpose equates to over $12 billion in fees for 2024

https://finhealthnetwork.org/research/overdraft-nsf-fees-big...