Myself and four other co-workers have incurred the same situation. This bank will take overdraft fees on items that have not cleared in your account. They took 4 fees from my account one day before they actually posted to my account and then took out another 2 fees before the items actually posted. The same day my paycheck was posted to the account.
So, in other words, you're trying to float transactions before your paycheck is sent to your account. Then you blame the bank when that doesn't work out. Real smart.