State Bank Of India [SBI] — Charges debited abnormally

Address: Nellore, Andhra Pradesh, 524002

Website: sbi.com

My a/c no with sbi : [protected]
Today an amount of rs. 575/- was debited saying dishonour of clg. Cheque at 8.27 am. Of course the necessary amount transferred credited at at 9.13 am. I know amount is to be arranged on issue of cheque. But
How fate of a clearing cheque will be decided even before commencement of banking hours even though it it ts dealt through online.
Customer will be asked through sms to inform by 12.30 pm of that day when a cheque issued by him presented in the clg and reached payee bank for clearance.
Why that norm will not be made applicable in all cases and how the sbi will take a decision abruptly saying no balance tin the early hours with out giving sufficient opportunity to the customer. Abnormal
The charges are on very high side and very.
The sbi is levying charges even for debit card use if no balance.
Sbi encouraged to open accounts without minimum balance which helps deposits in huge amounts to earn interest by bank and now reverted and focusing on common people to get profit leaving the fellows who availed crores and crores and made npa with out repayment.
How the payee bank charge for any reason instead of payee who actually got constrained.
Copy sent to ministry of finance, goi