bank charges get you down?

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i swapped banks a few months back thinking i was getting a better deal and facilities. i have never known bank charges like it in my life! i know you should not go overdrawn on some accounts (although some banks give you a few pounds leeway) but it is the way they change your payments around. i was perfectly within my limit a few weeks back and forgot about my regular end of month charges which came off about 3 days later,and knew this would take me over my limit but do not charge you for this. what happened? they put the charges first (even though they came off 3 days later) and charged me £38.00 for each card transaction even though i was within my limit at that time!! gets you so mad. your views please!