Small business NO FINANCIAL HELP FROM FNB ONLY EXCESS CHARGES

I have a small business and my partner and I have all our accounts (personal and business) with FNB. In this trying time we have had NO financial business support from FNB for our business. We did get approval for our employees to recieve a nominal amount of wages for 15 weeks. For our business account we have received NO financial assistance. I have tried with a personal banker who has tried her best but still was unable to assit. These are exceptional and trying times for all of us. Unfortunaly, our business has been going through financial difficulties for the last 3 years. As a result our financial history prior to Covid-19 has not been, as is a requirement for financial assitance is 'in good standing'. Meaning we have had debit orders that was unpaid from time to time. The problem is that as a small struggling concern we cannot always quarantee that we will have funds in our account on the specific days that our debit orders run... resulting often in debit orders being unpaid. HOWEVER, if my history is checked ALL our accounts are always paid and were UP TO DATE on the day that the lockdown took effect. We have during 2019 settled 3 x asset loans vir WESBANK prematurely in an attempt to get our business on a better financial footing. We are trying our best to work our way out of a very trying 3 years of financial difficulty, Does none of this work in our favour when we get struck by Covid-19 and need our bank to at least cover our Debit orders for a period of 3 months? Is this too much to ask? As directors we do not get ANY money from the SMME scheme and have NO WAY of getting any funds for our personal OR business needs. On top of this FNB holds our debit order back for a few days and then charge us with ADDITIONAL "EXCESS ITEM FEES" knowing that we will not be able to honour these payments. What do we have to do? Can someone at FNB please explain this to me?