Unknown Charge — Icici bank atm charge

I am having my salary accout in ICICI bank . But few days back 88.50 Rs/-(29.5 Rs * 3) were deducted from my salary account and when i looked into my mini statement it was described under "ATM DEC CHG". And when I tried to explore it over Internet, I found these charges are applied for when ATM of other bank declined to withdraw the money, if it doesn't have enough. So is it ethical to charge customer for this reason.Although i was having enough balance at that time.
Moreever, it is also legal as per RBI rule.
Transaction details : ATMDEC CHG/[protected]/0895+GST
ATMDEC CHG/[protected]/0895+GST
ATMDEC CHG/[protected]/0895+GST
I want a proper justification