PAYMENTS GO THROUGH DAYS LATER

I am sick and tired of payments that don't go off my account when I swipe my debit card. I am not able to manage my account properly, because I never know what my balance is. When I am overdrawn and not aware of it I must pay penalty fees. I have even taken this up with my branch and the consultants just shrug and say \that's just how it is". That is why I am seriously considering moving my account to another bank. No one is willing to assist or to take responsibility. How am I suppose to manage my account like this? It is not acceptable that I must pay penalties. """