Moving banks.

Good day, I've been a customer of FNB for over 22 years, and I am ready to move my account. I was assisted by Sisanda, who was very efficient in providing the information regarding my account. The issue is, I'm currently sitting in negative 7000 due to honored transactions and missed debits.. I spoke to her about the honored transactions, which didnt make sense to me. At the point of sale, funds are deducted and we move on. Unfortunately, based on when the merchant decides to bank the funds, only then will funds be allocated. I was then advised to first check my detailed balance before making any purchases. So, I now need to know, apart from the missed debits.. that I can account for.. using your card for transactions isnt really feasible because it's now put me in this situation where funds are allocated immediately, only honored and I have to wait for the merchant to bank, which could take weeks in some cases. and then depending on when that happens, it can push my account into a negative balance and once my salary is paid I am at a loss of 7k. This has taught me to rather make use of cash. I unfortunately cannot afford to lose 7k from my salary, I am a single parent and it's already a struggle to survive in our economy. Due to this, I will be moving to a different bank and make use of cash rather than online or physical transactions to avoid this. Thank you for your services, FNB, but this is too much to deal with.. I'll make arrangements to repay my overdrawn account, but I cannot be doing this going forward.