Fnb sucks

Fnb provides me with a reason to leave them. Currently the only reason I'm still banking with them is because of the long period I've been with them. Today I wanted to transfer funds from the revolving credit facility but the transaction failed. After calling them I was informed that there's a hold on the account because I didn't activate the shortfall protection which is optional. Why do I have to stopped from transacting on my account because of something optional? Why was I not notified of this change and its implications? Slowly but surely I'm moving towards leaving this pathetic bank.