A similar thing happened to me in college (compounded by the bank charging me another $35 every day until I had money again) and I was lucky I had a paid-for place to live and a paid-for meal plan to scrape through till payday.
Banks mostly stopped transaction reordering when it got a lot of attention post-financial crisis, but they're slowly going back to it, so some orgs and the CFPB are starting to shine a light on the problem again.
Pew has a nice little infographic depicting your exact situation: http://www.pewtrusts.org/our_work_report_detail.aspx?id=8589...
Banks mostly stopped transaction reordering when it got a lot of attention post-financial crisis, but they're slowly going back to it, so some orgs and the CFPB are starting to shine a light on the problem again.
http://www.forbes.com/sites/halahtouryalai/2012/02/22/are-ba...