STANDARD BANK SUCKS!!!!!!!!!

I've been banking with Standard since 1986. Well that's about to change!!!!!!!!!! I have items for sale on OLX. A very arrogant man called David contacted be requesting my banking details to transfer the money and send someone to collect the items. I told him that I won't release the goods until the money is in the bank. He invariably deposited a cheque into my bank. Yesterday the cheque was returned. I CAN'T BELIEVE WHAT STANDARD BANK HAVE DONE. THEY HAVE RETURNED THE CHEQUE AS UNPAID FROM MY ACCOUNT. So any monies currently in my account have been deducted from the check amount and any further monies coming into my account will be deducted from that amount. How in the hell can they do that??????????? AND STANDARD BANK ARE CLOSING BRANCHES PUTTING A STRAIN ON SMALLER BRANCHES SO THEY CAN SAVE MONEY. BULL****!!!!!!!!!!!!! Clients now have to travel further to get to a branch. I AM ABSOLUTELY FURIOUS.