I used to bank at Charter One and got sick of the corporate bullshit and when there was a problem, nobody at a branch could do anything for me because it was out of their control.
I opened an account at my local credit union(co-op services credit union), and when I did overdraw, I had 3 overdraft fees(all $3X.00 each). I went in, talked to them, because I wasn't sure what had happened, and they refunded all three fees and gave me a brochure for overdraft protection.
Their overdraft protection is different than yours though, it doesn't pull from savings. I apply for a loan in $100 increments, so I just applied for a $100 loan, and the loan doesn't enact until you overdraw. Once you overdraw, it immediately drops $100 a time into your account until you're over the negative, and then all you have to do is pay back the $100 chunk that they loaned to you. It's pretty handy.