Fight the instinct to avoid talking to your bank as this will only be in your best interest.
Communication is at the heart of successful student banking.
As a rule, most banks will not offer or extend overdrafts unless you are willing to go in and see them. If you build up a friendly rapport with your bank or building society, they will be far more understanding if you dip into the red from time to time and may even waive penalties. If you are edging close to your overdraft limit you should arrange to meet up with a bank representative. Resist the temptation to exaggerate or lie about expenditure - they have heard it all before and realise beer as well as books are an intrinsic part of university life.