Nedbank Savvy account **** - watchout

I have 2 Nedbank accounts , a money market account and a Nedbank savvy account. The reason I have 2 accounts is because the Money market account offers a better interest rate but no free swipes under R500 , so I use my Savvy acount when swiping for amounts under R500. My salary is paid into my money market account so I have to transfer money from the money market to the savvy account. Sometimes the balance in the savvy account gets a bit low. You may think the Savvy account is saving you money but be careful because if you do swipe and there is insufficient funds Nedbank will allow the transaction to go through instead of declining the transaction but they will charge you a R90 Hounour fee . Be careful this is not happening to you.