Are you a student? 5/3 offers accounts for students with overdraft waivers for a few instances a year.
Sounds like the bigger problem is managing your finances though to prevent them from happening if it's a reoccurring issue. Most banks will glady waive the first instance if you go in an speak with the branch manager. NOTE: Being a female who sheds tears helps tremendously with this.
Otherwise, start paying for overdraft protection or plan your expenses better.