Honoring Fee

I recently went to one of Standard Bank branches here in Cape Town to discuss this "honoring fee" of R 130 that was app**** to my account as a charge. I have never heard about this fee before nor was I ever charged this fee by Standard bank. I am now sitting with a -R300 worth of standard banks charges right now and when I went to dispute this fee at their branch all I was told was that I had to pay it because I apparently spent money that was not sufficient in my account. How is this even possible??? When I tried to explain to the agent that I had more than enough money that was in my account when I went to do shopping at Pick n Pay on the day I actually got paid, she told me that Stores like Pick n Pay have a floor limit (which I have no idea of), so whether you do not have sufficient funds in your account they will approve your transaction. Is this even a good banking practice??? I have never heard of such nonsense. If I do not have money in my account my transaction suppose to decline. Well this is not actually correct if you have a Cheque card and you purchase at stores such as Pick n Pay.

I am not happy about this business/banking practice Standard bank has with these stores and makes me think that they are actually ******** people to try and come up with ridiculous banking charges.