Bank Of Baroda — Deduction SMS charges before completion of Quarter

Address: 400064

Currently i'm a student & i'm having bank of baroda's saving account.in this month i was not having enough cash that's why kept sufficient balance to clear my lic premium only apart from that there was no extra money that i was having & sms charges is payable on 22nd may. But then also for paying rs.17 only they didn't process my lic premium & charge me rs.288 as return inward. I don't agree with such kind of activities because i'm having account with axis bank also but they are deducting such amount on date on completion of quarter. They didn't separate that amount from your balance before commencement of activity.