A U.S. District Court has granted preliminary approval to a settlement with First National Bank (FNB) of Pennsylvania over its practice of processing customer debits from highest amount to lowest. Consumer advocates complain that the policy incurs the maximum amount of overdraft fees and depletes customer accounts faster. While other banks targeted in similar lawsuits have promised to process transactions in chronological order, FNB will maintain high-to-low sequencing. However, it will step up customer disclosures to explicitly explain how the posting order for checks, debit transactions, ATM activity, and point-of-sale purchases could result in "the imposition of additional fees." FNB also will establish a $3 million fund, less one-third for attorney fees, for customers who were hurt by the high-to-low policy between June 1, 2006, and Feb. 8, 2013.