The overdraft fees are ridiculous, back when I was having trouble with this I went to the bank and asked that they drop some of them for it is a form of usury to charge so high a fee for a few dollars overdraft. Banks will pay the largest bill first even if that is the last one, that way they can count each small overdraft as a seperate fee. They usually dropped the fees and all I owed was my overdraft amount.

I hope this makes sense. You are not stupid banks are leaches.