No communication

<p>My debit order on my vehicle goes out of my bank account on the 30th of each month. Yesterday (31/1/17) I realized that it went off and that my balance was in a negative of R812, and immediately deposited R820.00 into my account. This morning (1/2/17) the debit order was reversed due to unsufficient funds and I have been charged R115.00 (penalty) on my account. This is unacceptable, I will sort out the debit order with the relevant bank institution but the R115.00 I want reversed back into my account. Why dont Standard Bank communicate with their customers or check before hand what the balance are before returning a debit order unpaid.</p>