Tired of FNB

I got an SMS message this morning stating that my account is overdrawn, how the hell .. I deposited R500 into my account yesterday and yes it was immediately available and did shopping, this is annoying as this now reflects on my account ... I want this fixed immediately and while we are at this, my debit orders go though on the 1st and then I transfer money into my account, very early in the morning every month I get the SMS saying I'm overdrawn which I'm not and first month was charged R57, the R200 and this month R350, how the **** am I supposed to live off a ****ing budget if you just take money, you are the most expensive bank no wonder my husband is moving his private wealth accounts over to ABSA