I hate banks
Be responsible and you won't have overdraft charges. YOU agreed to the terms and conditions of the checking account, YOU failed to take them into account, YOU failed to be sure you had sufficient funds to cover the check, YOU are responsible for the charges.
The bank only charges what it wants because you allow them to. If you didn't bounce checks, even for $2, it's not an issue.
That said, look at Bank of America. I have a checking and savings account there-- the checking is linked to the savings so if I go over my checking with a debit card purchase or something it'll take the money out of my savings with only like a $5 service charge. No hit on the credit like bouncing a check, either.
Enjoy your spahgetti, you're very rude.
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