It appears as if you have several misconceptions on how a bank account works.
First there is no "over my limit", you have an account balance and if you spend more than you will overdraw your account.
You also appear to be relying on on-line/Phone/ATM for your balance. Since these are generally just "snapshots" of your account at that particular time. There will be times when debits you have made or checks you have written will NOT show up. The way that debits are processed, it is also possible that you will see a debit show up, and then disappear. As much as some people want to think that this is something sinister or intentional on the banks, it isn't.
No where in your report did I see where you said YOU keep a register. If you are unfamilar with what that is, that is basically a book(for lack of a better word) of all of your transactions. Unlike on-line banking if you keep a register you can write down the transaction when you make it. This way regardless of when the merchant decides to submit it, you know it is already spent. Because YOU accounted for it.
The next is deposits. You CAN NOT spend money in your account until it is available. As long as you keep a register, make sure your deposits are available BEFORE you even attempt to spend the money, and never go negative all of those fees will just go away. If you are unfamilar with your banks funds availability policy this is something you need to go in and ask them about.
Now, several banks are giving you the opportunity to "opt-out" of overdraft protection. That is once your balance is negative they will decline your debit card and not allow you to use your ATM card. However, this DOES NOT guarantee you won't overdraft. So even if you do decide to "opt-out" it does not mean you can slack off on using your register.
In addition unless you have some unforseen circumstance there should never be a reason you need to use another bank's ATM and incurr that fee. Because you should plan ahead and if you think you are going to need some cash to take it out when you are near your bank's ATM.
If you do happen to overdraw your account. You need to get it back to positive as soon as possible. Until you are 100% sure that all of your outstanding transactions are posted and you are back with a positive balance. You should only put money in and DO NOT take any more money out. As that tends to just perpetuate the fee-avalance. This may take several days depending on how accurate YOUR register is, and how many merchants have not submited the final debits.
