Did you ask your bank for grace? Often banks can over-ride overages.
I think most banks are Unethical. USBank is who we use, and we hate it. Several years ago they processed our account like this:
1st - Credit all the deposits.
2nd - debit all the withdrawls/spending.
Since, they've changed it.
Now, they remove ALL the debits first, THEN add the deposits. When we called them about it, the person on the phone LITERALLY said this "...this way, if your account goes under after we remove the debits, we can tack on service charges. "
(most) Banks, (most) Insurance Companies, (most) Speeding Tickets - three MAJOR Ethically-bankrupt ideas.
“… the greatest detractor from high performance is fear: fear that you are not prepared, fear that you are in over your head, fear that you are not worthy, and ultimately, fear of failure. If you can eliminate that fear—not through arrogance or just wishing difficulties away, but through hard work and preparation—you will put yourself in an incredibly powerful position to take on the challenges you face" - Pete Carroll.