FNB taking money from my FNB account without warning.

FNB has adopted a style where they take money from your savings/ cheque account without warning and transfer it to your credit card or personal loan account. And they dont just take little money, they take a lot of money. Is this a new practice or it has always been there? I have been banking with FNB for 15 years and now i feel vulnerable and unsafe because i dont have a say about what happens to the money that is in my account during these tough economic times. I'd like to hear from people who went through similar situations..