Capitec Bank - Seriously bad bank

Today was a very bad day at one of the Capitec branches ever. A bit of what happened so everyone can see why Capitec is the worst bank ever. I received money into my STD Bank account yesterday from my boss as petty cash to pay our workers. This morning I wanted to go draw the money it was taken by Capitec. Yes, I do have a couple of loans with Capitec, but my agreement with Capitec is between 24-27 of every month. Who gives them the right to into my STD Bank account and take money as they please? According to the branch manager, the system they use will start "looking" for money 5 days before the agreed date between you and the bank.....it is almost 9 days before the agreed date. Why will they do this? Now, when asking to reverse the money into the account they took it from, it will take 48 hours, I need to pay my workers this afternoon. I cannot wait for 48 hours and I cannot go back to my boss and ask her for another R6000 to pay the workers. The only reply I got from the manager was...."I am so sorry for the inconvenience". No extra mile nothing. Next Capitec is charging ME R61 for the reversal of the monies. Now....why do I have to pay for their incompetence? Why charge me to get my money back?

Could someone please try and explain this to me as I WILL NEVER USE CAPITEC EVER AGAIN.