Banks can get away with anything. If you make several ATM withdrawals that are covered by sufficient funds in your account and then several days later bounce one check , they can retroactively bounce those ATM withdrawals and charge twenty dollar fees for each ATM withdrawal .This seems Kriminal to me because ATM withdrawalls from a bank's own ATM machine are automatic and instantanious.It is similar to making several cash purchases on one day and then writing a check several days later to purchace something else with insufficient funds and being charged overdraft fees for the prior cash purchaces.
If a bank recieves a check and a deposit on the same day they process the check first so they can bounce it and collect fees.