KILLING US WITH FEES YOU MAKE UP IN YOUR HEAD!!!

FNB HOW DO YOU CHARGE ME R47 UNPAID ITEM FEE FOR AN EWALLET I SENT AND AN EFT I MADE. YOUR CONSULTANT SAYS IT WAS NOT HONOURED AS IT WAS NOT PROVIDED FOR. WHAT DOES THAT EVEN MEAN? HOW CAN I SEND AN EWALLET WITH NO MONEY OR MAKE AN EFT FOR THAT MATTER. THE ******ION OF THIS BANK. THEY LOOKING TO CHARGE YOU FOR ANYTHING, THIS DOESN'T EVEN MAKE SENSE. HOW CAN A TRANSACTION BE UNPAID? A DEBIT ORDER MAYBE BUT AN ACTUAL TRANSACTION