The thing to do is analyse what the bank / penalty charges are over there. To compare with the UK may be misleading as the system maybe totally different. However, If you are charged say $60 for going overdrawn of beyond an overdraught limit you may have a case as it probably only cost $10 to administer.
Maybe ask on a money saver website / forum in the US, posting this thread if needs be, and see if an expert believes if the same applies over there.
Gotta be worth a shot.
