Fined for not having funds in my account.

It is difficult to fathom that I have to write a review like this, but I am at my wits end with FNB. I have been with this bank for over a decade, and this is the firs time I have encountered something as appaling as this. I have never been late with payments, yet now, for the first time, my account was empty due to unfortunate events. It is a difficult month and now when I went to check my payment history, I see that I have been fined R200 and then again R290 for essentially not having money. How is this even possible? Yesterday I had R1500 transferred to my account so that I could hopefully get through the next week, only to find today that FNB took R500 as a penalty fee, in 2 days time. That is honestly an ********** thing to do. How can you possibly penalize someone for going through a hard time, and in the process make the situation even worse?? At this point I am strongly considering closing my accounts and moving over to Capitec.