Dishonesty

I have noticed that lately when I make transactions, I somehow end up with a negative balance on my account which would result in penalties as a result of transactions that go through the account while the account does not have funds.<br> <br> The issue is that one relies on the sms updates that are received when a transaction is made but it seems as if this sms' are no longer reliable. Transactions keep going through without the account updating OR card declining at a point of sale. Then FNB imposes a R50.00 penalty per transaction. <br> <br> I took this up with FNB Private Banking and all they do is blame me for transacting while I do no have funds in the account. How can I make 14 purchases when I do not have funds in my account? I do not even have an overdraft facility yet the account keeps going into a negative. <br> <br> FNB is arrogant in their response to the issue. I think I will be moving my Private Account to another bank soon. I can deal with anything but arrogance when I pay for a service.<br> <br> my account my available and account balance update as expect