Excess, fluctuating fees

FNBs payment or fee structure is absolutely disgusting. One month is R200 the other R600. A business account that gets charged for every transaction is simply stupid. Capitec, STD bank and Discovery have much better value for money and their fees don't fluctuate every month. The last straw before closing my personal and business accounts with them is for being charged R417 for 3 transactions that were "made" with insufficient funds in the account. Their consultant is insistent it's because the transaction failed but they honored the purchase. So essentially saying that if your account has less than the required funds they pay and you pay back with excess. So you can purchase a car with no funds then pay back later? The issue stems from their reserved purchase system. How is a person, especially a business supposer to know what funds are in the account constantly without logging in? If the funds left immediately after a purchase you'd know how much is left. A R57 swipe cost R155 . 3 times so I've been charged R417 for that. FNB is essentially a **** and bad business practices. I'd advise anyone contemplating opening accounts with them to reconsider the multiple much better options than them. Zero stars