I enjoyed reading that article.  I was involved in the exact same thing at my bank.  We jointly own a business with my dad and we have an expense account.  We would buy small items on our debit card and larger items with company checks.  My bank which is Family Security Credit Union would hold all debits and process them together as one debit.  We never noticed this until one day when we had a very low balance.  We received a settlement later than anticipated and became overdrawn.  I noticed right away they had charged us for all debits processed even though I had money to cover everything exact the last debit.  I called the bank, horrified because I had sent out checks that were taken from the settlement and I knew that I would become overdrawn again before I received any more settlements.  All in all it was hundreds of dollars in fees that were taken out.  I was overdrawn three times within the next week.  I was so angry, but everyone was basically telling me that this was a standard and legal action by the bank.  I decided that I had enough.  I contacted the BBB made a report.  I also contacted the NCUA which investigated this.  Not long after I began the process I noticed that the bank had stopped that process.  I haven't been charged collectively for separate debits since then, and Family Security sent out notifications recently where you have to sign up if you want them to pay for debits when your balance is negative.  As you can imagine I opted out.  I am so glad that people are fighting these policies now, because for too long banks have been allowed to completely run over people.
Heather