That’s why you go with a credit union and not a bank. (When I said ‘bank account,’ it was a general term that people assume includes credit unions most of the time.) The overdraft “fee” on my checking account is “keep some money in your savings account to cover it.”
I agree, U.S. banks are insanely predatory. But there is a perfectly good alternative that many people simply don’t look into taking. Sometimes being a credit union member requires you to be affiliated with an institution (I got my account while working for a university), that isn’t always necessary.