#Item paid no funds is RIDICULOUS

I am extremely disappointed. I have a cheque account but I have 3 notifications that have went off in the past 3 days of #item paid no funds. It's R150 for each transaction that means FNB has taken R450 out of my account! What nonsense. What's the point of a premier cheque account, they offer you benefits and then penalise you for those benefits. I am extremely unhappy and I want my money back.