Unnecessary Penalty Fees

Just opened a new account with these guys and I already regret doing so, just in my first month of usage they already force charging me penalty fees unnecessarily. In short, e.g. Balance available = R100, you go to a merchant to buy for R99, purchase approved. Couple of days later you check your balance you now owing -R100, called Keamohetswe at Customer Care explained the situation, she tells me the merchant banked late, I was roughly R2 short due to bank charges when they did their banking and Stardard Bank Penalized me and that there's nothing she can do about it. I'm gonna close this account! I wonder how many elderly people fall for this **** making such institutions rich. I don't have debit orders in this account, if they honored a debit order for me on a negative balance I would understand, but in my case I used my own money, otherwise transection would have been declined!