FNB robbing people's money

FNB has ****** money from me and it's getting out of hand. They deduct money for transactions later on and one can comtinue tranasctions thinking there are funds in the account. They penalise R150 for every transaction even if the used amount was less than R150. 12 years with FNB and used to get into negative balance with no penalties. Or in some cases transaction would decline if there were insufficient funds. Nowadays with no notification they allow the transaction through and they add the surprise penalty to the account nicodemusly. Thats ******* FNB. Stop it. Or you risk losing clients.