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<p>My account went overdrawn for a few minutes one morning due to a card purchase of R150 at paul james that was not on hold ( the amount should as always have a hold on it until it goes throung), as soon as I got the sms from the bank, I adjusted the account, I was R65.31 overdrawn and they charged me R75, my question is for what did they charge me . There was not risk the bank took as I also have investment money with them. It's rediculous that FNB can just help themselves from my hard working money. I already pay a monthly fee of R365 which is alot. My account went over on the 20th on the 24th Monthly my salary gets transfered into the account. I send private bank and email and never got a response when I called them, I was told " oh yes i excalated your query but the bank in not interested" I obviously need to move banks, the problem is which bank out there is GOOD to their clients?</p>