ING Direct Posting Order Of Transactions

I have been with ING for 7-8 years with an electric orange and 3 savings accounts.  I have been lucky that I never needed to know the way they post transactions in the electric orange accounts.  My son lost his job and I have paid his truck payment for several months.  This has put a strain on me and I didn't watch that my mortgage was taken out via bill pay a day before I meant for it to due to this extra truck payment.  When I got the email that the mortgage payment was sent I knew my account would be low in case that truck payment went through that day so I transferred money from a savings account to checking.  The payment posted 3 days later.  I thought nothing of it since the truck payment takes forever to post (its through Chase bank so they wait to see if they can grab an insufficient funds fee by waiting up to 14 days to post).  Then my son got a letter from Chase saying the payment was returned and they would try and put it through again.  I emailed ING to find out the issue.  They said when the mortgage payment was paid there was not enough left to pay the truck payment and my deposit from savings came later in the day.  Never have I heard of banks not batching the transactions for a day and posting them during the night.  The fair banks then post the deposits first and then the debits.  Or like BOA post the highest debit first to make the most fees for insufficient funds.  I never could get an answer as to why ING does not batch transactions.  I don't understand how they can not batch.  I don't know what the point of this is since they didn't get a fee from me for the returned payment but of course Chase charged for it.  So the only thing I can figure since there is nothing in their FAQ's and I never got an answer is that they post debits and credits on a minute by minute basis.  I also get emails almost daily from ING but never got an email about the returned payment.  I was told to check my spam folder as if I didn't already do that.  So because my deposit from savings was in the afternoon and I suppose the truck payment was presented earlier than that, it was returned.  What is funny though is on my account the deposits ARE posted before the mortgage payment on that same day even though they say it was presented before the deposits and thus resulted in the other payment bouncing.  Customer service tries to make you feel like you are a moron even though you are asking intelligent questions.  Perhaps them getting bought out by an unscrupulous financial institution has caused this dirty dealing but I have left BOA and Chase due to their nasty tricks and it is time I now leave ING.  The interest rates are certainly not enough to keep me there.  Does anyone know of a bank that treats its customers fairly and honestly and that their customers are intelligent beings and not idiots?  Why are those qualities so hard to find anymore?  But so long ING and good riddance.