US bank charging for taking money from my own savings how can i fix this?

If you are sure there is nothing of this in the paperwork, go in to the bank manager and ask him nicely to refund the fees and ask his advice about an account that is more suitable for your needs. Keep in mind this is a bank making profits from fees, so anything he suggests is likely to have a fee attached. You should look at other alternatives like credit union, where you may get a better service. You should also try to budget at least weekly so you are not withdrawing funds more frequently.