please be careful of fnb

Hi all just a fare waring to all who wants fnb as their bank they catch u real bad with insanity high fees of items paid no funds they make you believe that you still have money to spend then by the end of the month their comes a insanely high amount of items paid no funds on your account.... and if been monitoring this now for a while I have even opened account at capitec to see the difference fnb lets you spend to put that charges on.... it is fine if you don't have money and you sipe if they charge but they are insanely high and know that I don't use my fnb account so much i keep getting message that reads transaction on acc 000.......... declined and i don't even know what that is but it keeps coming every day and i get billed by fnb for that people please be careful.... get in contact with me i will send all the proof