Impossible to deal with Absa.

Is there any way one can obtain settlement letter without actually going to a branch or calling the help line that puts you on hold for 30 minutes? I believe we are living in a digital world where everything is done online but with Absa it is just impossible, they can even email me a settlement letter which i requested via email, still referred back to help line. Missed debit order costs R150.00, i still don't know why i'm still banking with Absa after monthly charges of over R1000 every month.