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I try to avoid anything that involves a huge penalty like the $20 per transaction charge you have come across.
Your options:
1. Take the time to speak to their help desk - when they can see the way you usually manage the account and that this is an onvious error on your part, you might get them to drop some of the penalty fees - I have managed this a couple of times in the past when I have overshot/missed a payment date on a standard Visa/ Mastercard and the penalty locks in for late payment.
2. Talk to your bank about a reasonable overdraft facility that allows you to go into the 'pink' as opposed to the 'red' - the pink area being at a reasonable amount of interest. Link this to online banking and you should have an easier way to control your balance position.
Don't know if the above either helps or is do-able, in your case, but may be worth a shot.
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Always sufficient hills - never sufficient gears
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