Banking Nightmare

Extremely poor banking experience for the past 2-3 years. We have several business and private accounts at the bank. Accounts just get frozen without any communication randomly at 4-6 months intervals. Once the account can’t be transacted we will find out via making phone calls that its usually FICA, KYC or some other document that is required. Once completed it takes several days to unfreeze the account. I am not sure why private bankers are assigned to the accounts if their job doesn’t include following up ahead of time directly with their clients to avoid such circumstances. However the whole logic of freezing accounts and thus indirectly affecting payments, salaries and debit orders - its a nightmare. FNB should seriously review their compliance processes.