ABSA Internet Banking never works!!!

I have internet banking services, which I'm paying for, but I can never access it due to the fact that it gets suspended every time my account goes into a negative balance! At which point my friends and family members banking with other banks including Capitec, FNB, Nedbank and Standard Bank can still access their internet banking and perform basic transactions like balance enquiries, transaction history, statements, and manage their debit order and reoccurring internet banking payment under the same conditions!

I don't understand the dynamics of offering internet banking services on terms whereby it gets suspended every time the account momentarily in case the user doesn't have funds available in the account to pay for prospective charges amounting from possible transactions! I can understand and accept the fact that I won't be able to make payments due to a lack of funds, but to suspend the whole damn service for which I'm paying fo month after month as soon as funds do become available!

The other thing I don't get is Absa's never ending loop of transaction charges! There's always charges on top of freaking charges! It drives me nuts! An account with Capitec that provides me with the same services as Absa will save me half my transaction fees and provide me with internet banking that always works whether I have funds available or not!!!