Problem caused by your funds being low: Checking or savings account

M & t has been back dating my transactions and dont post until the last min ( closing of business day ). They debit my account either at midnight or after midnight. For Example the charge should be visible before midnight if balance is low account holder can take care of it right away by depositing sufficient funds but they dont post the charge the next day back dating the transaction and that is how they have charged me $45.00 on 3 different occasions