Not happy with std bnk ,ts getting worse with their servic3

Am not happy with std bnk , charging for 'overdraft fee' of R69, for an overdraft which i do not have , additional 'mu' sms nton nton, i called customer service spoke to lady ,her name is Bulelwa, they say ts a fee they charge, because i dnt have an overdraft and each time my account is on a minus, this is definatly a punishment for not having overdraft (i mean).......i have never heard of such 'wow' ,am constantly disappointed by std bnk ...worse am cheque acc and they allocated a banker who is never available no matter the enquiries i have.