Their policies on clearing checks is ridiculous and archaic. When they bounce an item they still take the money out of your account and don't give it back until the next day so that they can bounce more items. When they do clear items, they clear them largest amount to smallest "because they think the larger items are the most important items", even if the large items bounce and all the smaller items could clear.
In my opinion, the very least that they could do better is, if you're not going to pay an item, don't take the money. If you're going to take the money, pay the item. It's that simple.