Feels like my money is being ******

Hi everyone I just want to share my story about how FNB has a balance showing in your bank account and you think you can still swipe and before you know it they come with a load of charges that says "#ITEM PAID NO FUNDS" .... THEY ease you so in to it you don't know know what's going on until its to late then you end up with offer R700 and more charges in that.... I had that same problem 2 or more years back and now they are just doing it a gain..... and that feels to me like my money is being ******