Is there any USA legal precedence requiring banks to notify customers of overdrafts before posting bank fees?

Do banks have a priority legal right to take "insufficient funds" or "overdraft" fees ahead of those who try to cash checks I wrote days earlier. Should they have a "resonable" amount of time to get their money before my bank deducts its fees? I do sometimes make mistakes, overdraw, or forget to deduct a reaccuring autopayment. But I have also had problems with memberships, subscriptions and other auto withdrawals which vendors mistakenly double bill or activate months after cancellation. I've even had bounced checks resubmitted to my bank after I had personally paid them off in cash. Many companies with centralized accounting can't give me my check back. Problems multiply when bank fees cause many small checks to bounce, resulting in more overdraft fees, even though I would have had money to cover them if the bank hadn't first deducted their fees. Aside from eliminating auto withdrawals, mistakes etc., are there any legal issues I could cite to get the bank to drop the fees?