ITEM PAID ,NO FUNDS ****!

I have had it up to here with you guys, there’s this thing going on in my account of ITEM PAID NO FUNDS, after you deducted your service fee of R225 I was then charged monthly account fee of R219, then ITEM PAID NO FUNDS R250, all this on the 1st of August, then on the 8th of August the same thing happened another R250 gone, then again today meaning I’ve lost R750 in a space of 15 days, I’m now running on a negative balance , what I don’t understand is why are you charging me for a service I’m already paying for, I mean isn’t that why I’m using a cheque account? A Premier cheque account to be specific, please return my money as soon as possible or else I’m switching banks and my salary immediately , you will remain with your negative balance! Regards Puseletso Sebele