Nedbank charging far too much on savvy accounts

i realised that Nedbank is not for poor people or rather employees that wants to save. leaving a penny into this account leaves you breathless. and when inquiring, the explanations do not make sense. All you will get is just an extreme of prolonged transnational charges that you may end leaving their counter shocked, No matter how they do. I get paid through this institution, even though my bosses advised me of high charges. i still remained loyal but now i fully regret it. Transactions goes into minus very easily without explanations. I do not have an overdraft with them but only a loan taken which i battle to repay still due to my low income earning. I was shocked to find that what i predicted my money to be after bonuses half went into some minus which meant the bank has paid my expenses. my car installment debit was even returned due to insufficient funds emanating from a list of bank charges. consulting the bank I was then informed I shouldn't keep swiping my card including purchases all the time. Now I know, but am left penniless, initially solvent whereby i cannot pay other creditors. i do not know what to do! please help with other arrangements. I am left stranded.