Axis Bank — cheque bounce charges

Address:

Solapur, Maharashtra, 413005

Dear sir,
I am sandhya vijay palmur, i have salary account in axis bank account no. [protected].
On 21/07/17 my saving account balance was 104425/- this balance was sustain from 10/07/17 to 21/07/17….. There was no charges will debited from my account in this period. On 21/07/17 i was submitted axis bank chq amount 104425/- in my canara bank account same holder, it was went for clearing on 25/07/17 due to saturday & sunday holiday, but it was return due to insufficient balance.
When i had visit to axis bank on 25/07/17 in the evening due to chq return, axis bank staff said 24/- charges was debited on saturday 22/07/17 & balance was 104001/-.
Now they are charged me 550/- chq bounce charges.
My question is
1. How can they debit charges without any intimation?
2. How can they debit charges on non working days?
3. After the debited balance why they did not intimate to me?
4. How can i know my chq will return due to insufficient?
5. Why i will pay 550/ charges without any my fault?

Thanks & regards,
Sandhya palmur
[protected]