As of recently, it's not the branch's decision to discontinue a particular product that is only offered to a select number of overdrawn accounts which they feel they can provide support for. The corporate office discontinued the program - don't blame the bank (the branches and employees received no notice that it was to be discontinued on January 1, 2009). Also, in that program, there are minimums because the company doesn't allow you to enroll in this program unless you are really overdrawn so, consider it a compliment that they wanted to work with you and not let the collections agency call you daily. Also, walking into a bank and saying that you refuse to pay more than a certain amount of money is a GREAT way for them to not help you; banks are not rigid unless you give them a reason to be rigid. I work for a bank and customers that come in with an attitude get no help while those who come in calm and prepared get all the help they need. Both of you should really read the disclosures given to you when you open the account because they outline the fees and when you sign the signature card, whether you've read the disclosures or not, you signed for the fees (SAME AT ANY BANK!!!).
In a nutshell, you signed for the fees, you agreed to them, then you racked them up. You overdrafted and you should pay for that because YOU SIGNED FOR IT. Carry a check register and balance your checkbook correctly and then a bank might help you IF you don't know what you're doing.