Fnb ridiculous charges

FNB :-) Your eWallet has not been used in 5 months. Avoid service fees, transact within 30 days.Dial *120*277# Queries? ***. FNB a Div of FRB Ltd FSP3071. This is a message I received from Fnb is this even legal being charged for not using ur e wallet even though they know there no money in the account to transfer. Hope someone sees this and helps please cos Fnb becoming radiculous they trying to run up charges of clients so that they remain in debt.