Unreasonable Charges

Dear FNB,

I am Boitumelo Tshiponyane cheque account holder of FNB, I have been charged R290.00 for #ITEM PAID NO FUNDS 3 ITEMS ON 27/07/ 2022. I need my money back as I had funds and my account "Cheque" lets me has a debit and balance the amount later. You make us pay for something that you said cheque account is suppose to do??? Why do we have cheque accounts then?????? Please return my money or I will move my account to a fear Bank that does not take our money for the service already paid for. You have become the worst Bank ever these days.... your charges are too much for nothing.