NO FUNDS CHARGE

Good Day

FNB when you pay for something they reserve the money for future payment. so a transaction can happen on the 4th and the money will be paid on the 9th. That money has been deducted from your account, you cant use, the supplier has been paid yet but you dont have access to the money because they have reserved it and deducted it into your account.

So when they decide to pay the client and your account doesnt have money they charge R135 for no funds, what funds are they trying to deduct because they have reserved it already, they have the money, I dont have the money. the money is sitting with FNB.

I dont understand the charge because why reserve the money and then when its time to make payment you basing it off my current account

they reservred 232 and subtracted now they cant find it