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I am a senior citizen in my mid 70s which means that FNB offers me very little service - i.e. I must use cellphone banking if I need to query any activity in my accounts. As I do not wish to put my private banking on my cellphone which can be ****** (I could even be killed by anyone wishing to take my cellphone by force). So now that I have a query about an EFT withdrawal, not done by myself, I have to go into one of FNB's branches. FNB have closed the nearest branch to my home so I must now drive 10kms to get to a branch. Thanks FNB for caring so much for your elderly clients!!!! (NOT!) Disgruntled FNB client. Judith