Honfee charged without my knowledge

Obviously i was under the impression that i do have an overdraft facility, because my account did go into overdraft previously, now i get told that the branch i app**** for my account from did not activate the facility. so i had the unfortunate experience of this happening again, only now to check my statement and find a hon fee of R90x 3times. thank you for honoring my payments because of the situation i had run into, but i think that i as a client should have been made aware of this and not caught of guard y R270 going off my account!! please can someone let me know how you guys do not advise clients??