Honouring Fees dispute

After being a loyal client to Standard Bank for more than 25yrs if have decided to leave them for another Bank which will treat me with the respect and the credit I deserve. This will not account for me only but my wife and 3 kids will move as well. Thats loosing 5 clients in one go. They have charged me honouring fees for R50 and R20 transactions that was made 4 days prior to deducting my account when I still had funds available in my account. The consultant told me that I am liable for these payments because I did not have funds available in my account and it is because of the shops where I made these purchases that submitted their transactions late. This is very disappointing from them and I will not recommended anyone after this ordeal to transact with them again.