FNB declines debit orders without warning

Yesterday, FNB declined debit orders for my rent and medical aid while the money was sitting in my savings pocket and I, at 64 years old, had forgotten to transfer it. They send SMSs for all sorts of ****, like buying lotto tickets trough them, but when it comes to declining your essential payments, there is no warning SMS. If your account is overdrawn, they are quick to tell you to correct it but when they are about to decline your debit orders, there is no warning. "HOW CAN WE HELP YOU" is pure lipservice.