Joe,
You know I understand and live with depression. Nobody can say what the right thing is but you. You handle things how you have to handle them at the same time you seek help on how to handle them "better" or "different" or how you just wish they could be handled. In time things will change. I'm sure Mason is upset that you didn't give him a choice in that matter. This simple detail is probably the most important thing in relationships and probably the hardest thing for someone with depression to understand. In fact, I totally failed to mention it when talking to you because, quite frankly, in my state of mind, I forgot. Let him be mad at you, let him be a jerk, let him vent his anger and frustration how he needs to as long as it isn't AT you. You made a choice for YOUR life because of the realities of YOUR situation.
As for the bank, calling and begging to have the fees reversed. If the balance is covered (and you don't have a habit of overdrawing) they may be willing to work with you. Oh, and sob stories about roommates depositing checks early never hurt. Remember, all they can say is "no" and you might get a few bucks back
hugz
Snoopy