Wesbank - settle account

I requested a settlement letter on 12 September, which came to R1800 odd. My montly payment is R2644. Instead of Wesbank settling my account upfront, they now debited my account for the full amount and will 'refund' me when it's convenient for them (48-72hours). How is this an efficient process? Surely you don't want to do transactions unnecessarily. *Quick win* phone your clients upfront when their settlement is less than their monthly payment. It shows you are on top of your game and actually cares about your clients. This is really disappointing.