FNB worst bank

Please consider twice about baking with FNB. They do as they please. They just decided in the middle of the month to reduce my overdraft leaving me with no money over Christmas and a huge minus on my bank account. I therefore have no money to pay my bank charges that they also deduct on the 22nd of each month, knowing that i get paid on the last day of each month, knowing that this will result in unpaid debit order fees, which they can also recoup when i get paid. FNB is the worst bank to bank with!