*****ALENT CHARGES ON MY ACCOUNTS

Dear Standard bank where does my money goes? I transfer money to my MO account which was on 0 balance. It will then have balance of money I transferred to it. The next I will purchase using my own transferred money. The transaction will go through as normal for whatever I purchase at whatever retail store. The exact amount of whatever I'm purchasing will go through at time of purchase. My account will then be left with balance of what I'm left with after purchase. After a day or two my account will be on minus when log on my app. SBSA saying I owe them. How can I owe the bank while purchasing with my own money. My MO account is now on - R158 from 0 after purchasing with money transferred to it. I never exceeded only use money transferred now. Same now on my Cheque account. Transferred R100 to it yesterday, then purchase for R72 left with R28 and few cents. or something. Then next SBSA say I owe them R51. Show SBSA card purchase which I don't of. What is honoring fee on my MO account which I normally don't use. Only use when transferred money to it to keep it active. *****ulent charges where do my money go??? I can't keep owing the bank while using my own money not borrowed by the bank. Where do money for transactions at retailer stores goes??? The transactions go through immediately at time of purchase. Why am I now on minus after few days while my money is taken at time of purchase. Why was I owing which wasn't there when my account was on 0? Recent things never experienced with SBSA before. I can't keep losing money while working hard for it. Must I carry cash on me all the time while have SBSA bank cards? I may not have more truth is I can't let what I sweat for be taken from me *****ulently. Good customer care is beneficial for the business.