Rediculous Bank Charges and Bad timing

I would like to know why FNB feels it is necessary to take bank charges in the middle of the month (19th onwards). This results in my account going into negative and me being bombarded with emails and sms's stating my account is in excess. Take your ****** charges at the end of the month when there is sufficient funds idiots. Plus what I am paying for bank charges close to almost R400 a month no wonder you can spend all of this money on advertising which is false I might add. Cant wait to make a move to a different bank end of this month ****** *******s is what you are and *****.