False information + 32day account

So disgusted with the service of STD Bank. Opened up a cheque account because the savings account cost me to much, now the cheque account cost me more even though they said only R95 per month. Yay right!!! When I swipe my card to pay for my goods the money does not go from my account immediately then only a few days later the money goes off, then at the end of the month my account is in a credit. When I queried this Ellen told me I should not swipe my card when there is no money in my account, excuse me I no whats going on in my account the bank should deduct there money immediately. I have to pay a dishonouring fee every time this is happening. 32days ago I cancelled the 32day account and was told money will be in my account by 19/12/2015. 21/12/2015 I phoned the call centre to confirm whats going on and was told by latest the money will show 22/12/2015. When I phone again they said sorry I need to go back to the branch to request money to be paid over to me. I said but this is not fair why should I go and stand 2 - 3hours in the bank to sort this out again. I need this to be sorted over the phone as I was already at the bank for this to be transfered. Not my fault but STD bank