[colanderman]

If you're in the US, ditch your bank and find a credit union (or failing that, a cooperative bank). They are financially beholden to their customers (what a novel idea!~), so they don't pull this kind of shit.

Ever since dealing with unwanted overdraft shit from Citizens Bank (may they rot in hell), I swore off the adversarial relationship of commercial banks and found a nice credit union. With them, I once overdrafted my account slightly (forgot about an ATM fee or some such), and they ignored it for months. I only found out about it because they casually mentioned it when they called me about something else. No fees whatsoever.