[Warik]

You could try banking at a larger bank. When I opened my account with Washington Mutual a short while ago they told me about check holding for new accounts, but that I could get around it if it were an emergency. I could be wrong, but this sounds like a smalltime rinky-dinky bank that makes its money off of imposing service charges.

Alternatively, you could stop charging more money than you have. It doesn't matter what order they do it in... whatever order they do it in, you still don't have enough in the account to cover it.