Addendum to Why Your $$ Belongs in a Mattress

So after spending $27 to stop a check from bouncing and expecting a disability check by today in account, I go to bank website and see 3 charges of $35 for bounced checks and they took the money from the disability check, which means the money was in there, it hadn't yet been processed by the muthas. $35x3 plus $27 totally wasted. I was thinking to withdraw everything after being robbed again this way, but here's the problem...there's no bank within walking distance except a local bank with not very good ratings. But there must be a solution...