Item paid no funds

I have an Aspire account with FNB on the 27th on may money was deducted off of my account, I checked my transaction history to find a charge that went off #item paid no funds. My account isn't an overdraft nor a credit card

I made a purchase from pnp and I had more than enough funds in my account and a purchase after which I still had more than enough to purchase

My account is currently -R273

Which i was not informed that this would happen and this has also never happened to me with any other bank

This is my first month using FNB and the my suite service is quite unhelpful as well. I'm horrified I can not afford an extra R300 a month.

Why was this not discussed before opening an account

I am really considering closing my Fnb account.

I am horrified by the services