ABSA is *****ing my money.....

I find it pure thievery that ABSA feels entitled to charge a R10 "declined fee" if a transaction could not be processed due to insufficient funds in an account. It has happened to me twice when a Vendor mistakenly chose the Savings option and not the Cheque option as requested by me. What possible costs are being incurred by the bank when a transaction is declined. They are merely *****ing my money. Show me were it states in the "Terms and Conditions" when I opened my account with ABSA , that they are entitled to do this......... They are ********s !!!!!