Standard Bank is a *****!

Keep in mind that I'm deaf, please use email to communicate with me. This happened lots in the past. I asked Std bank to move the debitorder date (for funeral plan) to end of month which they never did do. As I said, this caused me a headache, What happened is, I have to check on 14/15th every month f there is enough funds in my account before debit order on 15th in night goes thru. Now on 15th I see my account was overdraft with R9.74 because of statement fees of R11. Ok I asked my wife to transfer R100 from her account to my account. Now my balance was (as stated from the sms) under limit, eg. R90.26, so it is good for R75 of debit order to go thru. Note that my wife paid before mignight. from Std bank to my Std Bank meaning that her funds is immediately available in my account. Now yesterday on 16th I received the sms that debit R75 went thru. Glad no issue I thought. Then today I received the sms that R75 has to be returned. I immediately logged into my account and noticed from statement online: R9.74 over limit on 7/4/15 then debit R75 op 15/4/15 then credit R75 on 15/4/15 then debit fee unpaid R115 on 15/4/15 then R100 credit on 16th! Now I'm R24.74 overdraft, stoled my R115