#item Unpaid Transaction charges

I have 4 #Item paid no funds on my account and R420 was deducted from my account. I do not have an overdraft facility. I was informed that the (R105x4) transaction charges are for honoring the payments. The problem is that no payments were not honored but I am still being charged. On top of that, I have a lot of R8.00 bank charges deductions from my account. I have accounts at other banks and never experienced so many issues as with FNB.