Don't feel too bad I used to be horrible at over drafting because I didn't keep track of what I spent. I think I racked up 250 in Over Draft charges. They will usually work with you if you go and talk to them. I agree that it's crap that they charge people that have no money. Best advice any body can (and has) given you is be more fugal with what you get and be very vigilant on what you have spent.
That's why We're slowly moving to MSUFCU. no over draft fees. That and the Commercials. They have some great Commercials with Three men and a Tenor.