OVERDRAFT NOT APPROVED

I changed from the Standard bank savings account to the cheque account last year. My company was crediting my salary into my savings account until January this year. I went to Southgate yesterday to apply for an overdraft and it was declined. The reason for this was that I was not using my cheque account like I was supposed to. According to them I only got paid for the month of January 2016. I explained why this was so and that my employers were still crediting my savings account but nothing was done. I am so irritated because the reason I changed to the cheque account was that I knew that I would one day need the money but my bank cannot help me in this regard. I am so disappointed