FNB - ITEM PAID NO FUNDS "CHEQUE ACCOUNT" ****

I am Oyetola Ogunkunle. I am a cheque account holder with FNB, and I pay a monthly fee of R105. I was charged R135.00 for #ITEM PAID NO FUNDS 1 ITEMS on 18/03/2023. Why do I have to pay for something that they said Cheque account was supposed to do? Why do we have Cheque accounts then? I need my money back as I had funds at the time of my transaction, and my "Cheque" account lets me have a debit and balance the amount later. @FNB, please return my money or I will move my account to a fair bank that does not take our money for the service we already paid for. Your charges are getting too much for nothing. I don't subscribe to taking customers' money indiscriminately to enrich yourself. If you want to make money, do it the legitimate way, not this way. You delay payments and charge us money for YOUR OWN DELAY! I will not allow that with my money. PAY BACK MY R135.00.