Money grabbing bank

I have been banking with FNB for the last 44 years conducting my account in an exemplory manner. On 1st December my account exceeded my overdraft limit minimally. On the 2nd December a deposit went through to put my account back into credit. And yet on 2nd December FNB in their wisdom charged me R200 for an item paid on the 1st Dec "No funds" available. This is unbelievable!!!!!! If FNB dont want my accoun t and cannot process one transaction over my limit without charging me, PLEASE LET ME KNOW if i should move to another bank who actually value their customers business!!!!! Reverse this charge please!!