A few comments pertaining to the above posts:
If you do happen to get hit with many overdraft fees (all at the same time) then go to the bank that you opened your account at, and they will more then likely reduce it (unless you are a cronic overdrafter), probably to half the amount, but possibly more.
One thing that I agree with is the time that it takes to be contacted about an overdraft, as you are only contact via postal mail. In these high-tech times they do have the ability to call on the phone or e-mail you as soon as the (first) overdraft happens.
For the most part I have been very happy with Tri-City bank, as I have been a customer to over 15 years.
I guess the bottom line here is if you have a problem be sure to talk to someone at the bank about it, they will more than likely be able to help you out.