CHARGES INCURRED FOR BANK ACCOUNT NOT IN USE

I do understand that every industry need to make their exptra money, but does the bank also have to participate in this madness, people don't have R100 to waste let alone the R1100.00 I have to pay now , so I can close my account the account is not at all in use, but because I changed banks the service fees of R100 a month is being charged, and because standard bank knows I am now banking with FNB they debited my FNB account , and well as mentioned people don't have a lot of my money to keep on hand these days for unforeseen circumstances, therefore I had no funds in my account , so my bank is charging me for the debit that did not go out(which I did not authorize) of R500.00 per month also standard bank charges for the money hey did not receive from the the debit, so I am just incurring and incurring more and more unessary charges If I was so rich I would be donating that R1100 to charity !! not to standard bank truly happy I made a choice change banks, and in future I would have actually considered standard bank maybe for the credit card or even business banking as my husband is going toi business full time :)