Unprovided funds???

Can someone at Std bank please tell me why don't they give their clients time to do a correction on their accounts for insufficient funds??? My hospital plan deducted on the 4th. Before I received the sms on the morning of the 5th before 7h00 I provided the necessary funds needed. But this morning the 6th I received an sms that my premium was sent back and a penalty of R115 was deducted from my account . Really why can the other banks give you a warning and time to fix your account before they just sent it back? Standard bank this is *******!!!!