You need to just take the hit once, take out what you can and pay bills that way.

Take out 500$ cash even if it's an overdraft, pay the 30 on that, then pay 5 100$ bills and cost is 530$. If you pay essentially 130 per bill, now that's 650 you are paying. You must stop paying each bill on its own fee. Get a side job doing door dash just to get you to safely above.