Bank accounts, insufficient funds, and bank charges!@#$%^&*

Canada
@bounce58 (17080)
November 4, 2011 4:59pm CST
not enough funds on account - insufficient funds on account
I've been kicking myself this past couple of days. Due to a gross error on my part and a bank procedure, I've cost myself some bank charges. Because banks normally debit all negative transactions first, before they credit deposits, I've been charged $40 for having insufficient funds in my accout. I don't know if this is done by a machine, or a computer program, but it seems silly. Because when it processed my incoming, it had more than enough money in the account. Maybe if it were done by a person, he or she would see that there was no need for the 'insufficient fund' charge. And to add insult to injury, the company which I issued the check to also charged me $25 for having not enough funds on the account! I should rename myself to dunce58! Have you ever been in this situation? Don't you think that if a real person was processing bank accounts and sees this situation, there wouldn't be a need for a charge? Or do you think this is just one of the many ways bank milk us for our hard earned money?