Really need help!!!

You really need to contact your bank about the negative balance, I can tell you that the only way to stop these lenders from debiting your account is to close the account, however, since you have a negative balance that isn't possible. Oneclickcash and Cash Central2 are not licensed lenders in your state, see the link below:
http://hawaii.gov/dcca/dfi/regulate/regulate/loan_2
The link I posted above are licensed non-depository lenders in your state because your state requires payday lenders to be licensed by your state.

Since you have two unlicensed lenders, that makes them illegal, therefore, go into your bank, speak directly to the branch manager and explain that you have recently discovered two payday lenders who are debiting your account are not legal lenders and aren't even located in the U.S., therefore you would like a hard debit block placed on your account until you can resolve the balance. You might also ask the manager if they would please remove some of the NSF charges, sometimes banks will do that, but you have to ask them.

Checkngo is a member of the CFSA (Community Financial Services Association of Americ) which means you are eligible for the EPP (extended payment plan), click the link below to read about the EPP.
http://www.cfsa.net/public_education_campaign/guidelines/guidelines_extended_payment_plans.html

CLICK HERE to find out how to deal with illegal lenders.

You must find out how much you owe to your bank and pay that off.

Next you need to determine which of your lenders are legal in your state. If your lenders are illegal - close your account, send each lender ACH revocation letter, open a new account or make the tax benefits to come directly to you and don't give out your new account information to your pdl lenders.

You can check out the legal status of your lenders in the following link.

"http://hawaii.gov/dcca/dfi/regulate/regulate/"

Find out more information on dealing with illegal pdls in the following link.

http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

Thank you both for your time to respond.

Seeing as how FBD and Checkngo are both banks/backed by a bank, how should i go about sending them a letter since they are banks? Or would it still be illegal for them to send me money online because FBD was the last one i got a loan from and i already had an outstanding loan, so would that have made it illegal for them to give me a loan?

As for my bank im going down tomorrow morning and will talk to the branch manager about putting a hard block on my account. Now im guessing doing this will still let me deposit money right?

Ok goal for tomorrow is:
*Go down to the bank and put a hard debit block on account.
*Also see if once i get my account current if i can get a new account.
*Start with the ACH revocation letters(or should i do this first and bring them down with me to the bank?)

Thank you both for your time and effort in helping me. Im sure there are other people in the same boat as me and hopefully they end up reading this thread, because i honestly felt like there was nothing about it that i could do. Now i see that theres hope for me to get out.

Edit*
I have also found this link. http://www.paydayloanlegislation.com/hawaii.html

It says the legal status applies to check cashers only, since all were internet loans that would mean they are a illegal lenders right?

Under collection limits it also says:
Criminal Action: Prohibited(Unless check returned due to closed account or stop-payment by maker).

Now can putting a hard debit block on my account cause for legal actions by these illegal lenders to take place? I plan on sending out the letters hopefully tomorrow if not friday the latest.

UPDATE***

Went to my bank today, I talked to the bank manager about what was going on. The lady i got ended up being really nice. She said that i would need to close my account so i ended up closing my account and getting a new one.

As for my account being negative, she waved all of the charges so my account is current right now!!! YEA!!! lol

Man, i feel like such a big weight has been lifted. Knowing my account right now is safe is awsome.

Sadly its not over now i have to deal with these stupid lenders. Im going to start my ach revoction letters tonight.