It happens again!!

Each and every month i must review fnb.They deduct R450 for bankfees because they penalised me when my salary comes in and transactions went through they said no money was available and therefore they penalised me.After the last complaint they give me back my money and said it was their fault... This month the same happened with the banking fees.Im sick and tired of FNB treating me like that.And if I want a personal loan:they declined me.