Bank of the changeable..... well I am changing away from them.

I am utterly disgusted with FNB - As a private wealth client I have banked with them for a while but my recent experience is making me move banks. I have a personal loan which gets debited off my bank account normally between the 25-27 when our salaries have been paid. My son is going away on a camp and I stopped at the shop to get him some snacks for the trip to have my transaction declined at the teller, thinking its an error on their machine, I instruct the teller to try again - DECLINED. With a queue of people behind me, I have to apologise, leave my shopping at the teller and leave the store. Obviously concerned, I head to an ATM to see what is going on and WOW thank you FNB you have cleared the last remaining funds in my account on the 22 of the month leaving me with no money to be able send my son off the camp with a little spending money and snacks for the bus. This is totally unacceptable - knowing full well that salaries are paid anytime from the 25th why would you do this!! Embarrassed, disappointed and definitely not a fan on FNB!