They're changing the rules, if that helps. Banks will have to warn you about these fees and let you opt out.
So you can choose between letting a purchase go through and dealing with the fee, or the purchase being declined due to insufficient funds. Talk to your bank about it. Let me dig up a Consumerist link.
Edit:
This and
this might help.
Quote:
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Starting on July 1st, the Federal Reserve has required banks to get consent from customers before enrolling them in overdraft protection programs so they can experience the excitement of cascading overdrafts.
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Everything else with the tag 'overdraft fees'.