Absurd Banking System

This is the worst bank to deal with.

I have banked with Standard Bank for over 18 years yet I am always left disappointed with their services. Please explain how you can debit an account early in the morning when there are insufficient funds in the account leaving you in a minus instead of waiting until your salary is actually paid and there is sufficient money in the account. Who is liable for the cost if the debit returns????? I fully understand if the debit date falls on a weekend, the debit will go off the Friday before, but geez, wait until there is money in the account. You are really the pits, I don't even want to talk about your service charges, totally ridiculous!!! Get your act together and treat your customers right!!!