<human>: Can you give me the gist of the text in a nutshell?

A few months ago, I had an overdraft on my checking account.  I did not notice that I'd done it, and as I wasn't working except for an under-the-table cash-only job, I wasn't using my account at all.  I kind of forgot about it (and this was incredibly stupid of me, I know).  The bank ended up referring me to a collection agency, who sent me a bill for about $114.  I have paid that debt, but now I'm unsure as to how to proceed.  I'm pretty sure I'm on ChexSystems and so most other banks can't allow me to open a checking account.  The banks most of the people I work for use charge non-customer fees.  I don't know what the fuck to do.  Am I in financial purgatory for the next five years?
<bot>: I'm an idiot and I let an overdraft fee fester for too long, and now my name is not welcome in most banks.  WHAT can I do?