Overdraft Payment not Disclosed

Hi,<br> <br> I have a cheque card with Standard Bank. When I swipe at some shops, my balance does not decrease, meaning I never know the actual balance available. A couple of days later the transaction is cleared and the amount is deducted from my account.<br> <br> A transaction I made on Friday (15/04/16) just cleared today (20/04/16). problem is, the amount that got deducted is more that then amount I had available in my account,therefore, it went to overdraft by R12. Standard Bank is saying I have to pay R120 plus R12 to settle my account.<br> <br> They say R120 is the standard fee for overdraft, this was never disclosed to me!!! I did not even authorize my account to allow overdraft, apparently this comes standard with a cheque card...Why was this information never disclosed to me?<br> <br> Also, what is the use of the app if it does not reflect my actual balance? How am I supposed to know how much money I have left so that I do not go onto overdraft??<br> <br> This is very unprofessional!