Standard Bank
Taking money from my account

I just discovered that Standard Bank took R40.06 from my cheque account to my savings " ITS CALLED TRANSFER TO SHORTFALL RECORD". This is my money how can the bank just transfer money from my cheque to my savings account, say that money was a debit order that was suppose to go off and, then I would have been short, I would have been charged by STD for a debit order rejection and the other party would have charged me interest on failed payment. Never happened before. Very disappointed STD Bank & its not because The savings is in my name if that's the case I want the savings account closed, to many charges anyway for non activate account. I am not going into any bank to do that, that will be my money and my time spent on STD Bank again, no body informed me they taking the money.