FNB greedy, ************* & ***********

Received an sms notification from FNB on the evening of 6 September 2020 stating that 2 IMPORTANT DEBIT ORDERS went off. A life policy of 8 years and car insurance. I had to go into my banking app to check for the deficit which I could not pay in as both atm's in Cradock were out of order. I struggled to find someone to do an eft, which I successfully did into my account on the 6th of September 2020. I received a sms notification at 1am on 7 September 2020 that both debit orders were reversed and that the total reversal fee is R220. When I chatted to Marcia on the app, it was related to me that the reversal fee MIGHT be reversed upon a request which was made but it may take 3 to 5 working days. This is unacceptable because FNB didn't even notify me about the deficit and I did pay in the deficit on time. This has dire consequences on my record with the life insurance policy and my car insurance.