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In the case of overdrafts and fees, here is what I would do:
Go to the local branch of your bank, explain what happened with the overdraft, and explain that you would like to pay them, at the very least, the money you overdrafted. If they waive the fees, you will keep your money at their bank. If not, pay the fees and close your account. Find a bank that offers overdraft protection and sign up for this. Even if you keep your money at their bank, GET OVERDRAFT PROTECTION.
Your bank is supposed to work for you. There are TONS of banks to choose from any more, so make it clear to them that you could take your money anywhere else. If they shrug their shoulders at you, they're not the kind of bank you want to be with anyways. You want a bank with good customer service, good products, and helpful employees.
And, please, GET OVERDRAFT PROTECTION. Furthermore, realize the bank will NEVER decline your card. They will let you overdraw your account to death.
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If I am not better, at least I am different. --Jean-Jacques Rousseau
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