Sorely Dissapointed in unfee charges

I have a cheque account at standard bank that has been unfairly forcing to me to pay a honoring that I was told by consultant telephonically on the 23/08/2022 that its a fee that is charged for having insufficient funds. My grievance is that when I go to stores and make a purchase I always use my available funds balance to make a purchase. When the merchant does decide to bank the funds is beyond my control so its unfair that i am being billed on a day that I have not made purchases. i do not have a overdraft on my account , so if I don't have money then i shouldn't get product. not that i should pay the merchant and pay exact amount to standard bank as a fee. This is ********* and completely ridiculous. i want a simple account where i bank my money and can use my account if and when i have money. i want out of this immediately as this has been happening from April 2022 and this is just from what i have been tracking. i hate the part that my account is in deficit every month for something that is unknown to me nor can your consultants explain or justify

My id number *** Cellphone number *** name Shanice nsibande