Here we go again

Since a few months ago FNB has started ruthlessly rejecting my debit orders INSTANTLY. And I mean faster than lightning. Usually they used to give me time to put funds into my account so the debit orders can go through. THEY WOULD EVEN SMS ME AND TELL ME TILL WHEN I HAVE TO PAY! NO WARNING ON CHANGE OF POLICY? For this small grace period I paid something called an \Incidental Credit Fee"every month that it happened. <br> <br> Now they just instantly reject my debit orders and STILL CHARGE ME THE INCIDENTAL CREDIT FEE EVERY MONTH IT HAPPENS. (I have noticed they now call it the #ACCOUNT OVERDRAWN FEE)<br> <br> WHAT SENSE DOES IT MAKE TO CHARGE ME FOR OVERDRAWN ACCOUNT FEE IF YOU INSTANTLY DISHONOR MY DEBIT ORDERS AND TECHNICALLY MY ACCOUNT IS NOT OVERDRAWN. <br> <br> EVERY DEBIT ORDER THAT IS DISHONORED GETS CHARGED A R138 FEE. <br> <br> After the first couple of times I really tried to make sure there is enough money in my account to cover the costs of any debit orders"