Annoyed by bank charges

Im very much annoyed by nedbank and its charges, i feel they are trying to make more money out of me. i have a Savv platinum account and i pay R169.00 monthly, however this month i used my card for purchases on the 25-10-2015 and i know i have insurances that need to be deducted, however the card payments deduction does not reflect immediately and i didnt keep track on my balance, to make things worse i transfered R4000 from my investment and it reflected the next dat 28/10/2015,and all the deductions including insurance and card payments were taken on the 27/10/2015 and now im being charges R90x6 for insufficient funds even though the card payments were supposed to reflect the 25/10/2015 and not the 28/10/2015 as its messing up my balances, i dont feel i need to be charges these fees and all my insurances are still not reversed but im paying for the insufficient funds. Please sort this out before i get fustrated and close my bank account.