Ok, this is hard for me. And I tend to write a lot. Sorry.
I would write a check for my husband from the same account and deposit it into the ATM when the overdrafts got out of hand then it would buy me a day to get enough money to cover it. I hated doing it, but felt like it was the only way to stem the tide. I'd done it several different times and never got reported, a letter, or anything. The closest it got was that the check was deposited and then cleared on the same day. One time the check was actually NSF and went through the whole rigamarole and nothing was ever said about it.