I used to have wachovia. They were pretty good. I even overdrew 4 times, like you described, and they waived the fine a couple times.
I changed to suntrust when I started college b/c they have an ATM on campus and it's easier for me to deposite checks that way, since I dont have a car. My parents still use wachovia for all their banking, both personal and commercial, and are verry happy. They have locations all over the country, and are verry focused on customer service. you should look into them.
hope that helps
-- superart
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