cash is better then money in the bank

i did a deposit into my account with my card and i got a slip and a sms to say my money whent into my account but this morning i get a message saying my balance is -R437.11 i went to the bank and they say my money is pending so now all my debit orders will go out today and i have money in my account but it will come back unpaid and i will be charged extra for that . its not fair on me and who knows how many more people are having this problem