They will charge u just coz they can

I am definitely moving my salary to another bank. I keep getting charges on my account saying "items paid no funds" and nobody can give me a valid explanation for them. One consultant in an attempt to get me out of his way told me it's swipes I did with no funds in my account but I had funds and my incontact shows that I did. Who swipes with no funds in their account firstly and secondly I do not have an ovedraft for that to happen. I need these charges reversed and my accounts CLOSED ASAP. No assistance from the consultants on the app either. Just close them all, I've worked with better banks, I'll gladly continue with them with my 1cent salary that isn't valued at fnb thnx very much.