****TY BILLING SYSTEM MANAGEMENT

I've made purchases on my cheque account which gets adjusted by "the system" 2-3 weeks later throwing my account into a negative balance which then I am charged a "honouring fee" by the bank! And all i get told is I'm charged that fee for exceeding the available amount in my account. After the system adjustments are made a purchase shows as it was made 3 weeks later (i'm told thats the day the merchant banks it ) Apart from the uncalled for honouring charges, how do i track transactions on my account if they are not showing the accurate information...... terrible!!!!!