A customer's lawsuit accuses Wells Fargo & Co. of processing checks in a way that unfairly triggers overdraft fees.

According to the lawsuit, the San Francisco-based bank processes the largest checks first when it has multiple checks written by a single customer. This increases the likelihood that the smaller checks will bounce, resulting in overdraft or returned-check fees, according to the plaintiff, San Mateo County, Calif., resident Fred Sturm.

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