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     Cobble's Chase Bank / BankOne October 26, '09 transaction sheet, below, showing how banks manipulate their accounting to cause overdrafts. They are required to post purchases and ATM withdrawals as "pending" at the time of the transactions, and, of course, subtract the transactions from account balances. 

     To induce overdrafts, the purchases \ transactions are delayed, sometimes for days later, so that account holders cannot know their true balances at any given time. Cobble's statement, below, show how when multiple purchases are made within a few days, this fraudulent accounting causes "cascading overdrafts." -- Cobble was burned for $256.00, 8 cascading overdrafts.