FNB Charges are way higher than loan sharks

I am tired of FNB, my salary date changed from the 25th to the 1st, i am still trying to get other companies to change my debit order dates, but FNB charges me R150 for bounced debit orders for their bank charged, i didnt tell them to debit my account on the 29th!!!!! FNB charges me R150 for debit orders that are R79 and R159, its actually cheaper to go to a loan shark and get money at 30% interest than for you to wait for FNB to take your hard earned money i end up paying more than R1000 for banks charges only and not only that the debit orders dont bounce because my account goes into negative and I make a deposit. This month they charged me R302 for ewallet!!!! last month i had the same issue called them and told them i want to downgrade my account and guess what the agent told me, even if you downgrade the charges will not change just make sure you have funds in your account!!!!! its so easy to upgrade but to downgrade is a mission. Not to mention how difficult it is to close an account!!!!! My business account is still open even after i asked them to close it!!!