Fnb account error, **** debits, unexplained charges, money disappearing due to reserved amounts vs insufficient funds, wish to change banks, poor security systems of tap ur card to pay.

The fnb used to be the bank i like so much with their standard and having fnb app, which makes my banking life so easy with quick payments, to companies and individuals, the ewallet idea is the best idea ever, i cant imagine anything btr than that, i like the uniform, i like the environment, the only problem which bothers me so much is the charges on my. Accounts, i have tried to get answers from the bank but got nothing that improves my situation, the bank say they reserve some money when doing purchase, later they charge u for insufficient funds, i dont understand where does the reserved money ends to, im confused about available amounts vs balance, when i deposits money in my account, the balance amount changes become more, when i transfers money out of that account balance changes again, what does that mean, sometimes i put money in the account with negative 45 nd deposits 100,and bank takes all money and give me new negative balance, if is not that is the new system of tap and go which does not make us safe, people ***** cards abd tap to pay, there is no security at all all, and again the is always **** debits every month, i have to police my account so i can do reversal, this issues they bothered me and i now wish to change the bank, i can't afford the stress of so many changes happening with no btr explanation to it, it really frustrating and causing me to have depression , im scared of leaving the money in the account, so btr to cancel fbb accounts and start a fresh.