FNB, not so CONVENIENT after all

FNB is slowly sending me to an early grave. I just logged into my account and realized that FNB is really not as convenient as they point it out to be. I'm being charged R600 penalty fee because i exceeded my limit on overdraft, a rebate fee of R105, declined transaction fee 8.50, R105 for unpaid item no fees, another declined fee of 8.50, a monthly account fee of R230 and service fee of 30,all of these amounts to R1093,6 and i still have an overdraft that should be payed.... I am really shocked to be seeing this, clearly I'm not FNB's target market, they automatically call and change you from one account to another, promising that the new one is better than the previous one, for us to be paying penalties after penalties... They're no different from these ******* loan sharks.....I'm disappointed and I'm leaving FNB