I got hit by this two separate times in the early 2000s before I learned it was better to withdraw whatever cash I had left. I was already stuggling, living out of my car, and having additional overdraft fees on top of the one I expected was devastating. It literally left me unable to buy food for days, because each overdraft fee was $20 IIRC.

I'm shocked that the transaction reordering is still a practice nearly 20 years later.