Disgusting Service home loans

I am so sick and tired of banks thinking that it is acceptable to take 10 days to clear an electronic transfer from one bank to another. The way the call center agents speak to you is like you are doing them a favour. I have complained this morning to be told my problem would be sorted out only to be told now that actually it is going to take another 5 days and they will charge me. I ave already moved my main accounts away from FNB after 35 years because they have zero understanding of how to treat their customers and their premier and private banking is a joke. I'm so sick of them been the most up to date electronic bank but they register electronic transfers as cheque payments. FNB YOU CANNOT HELP ANYONE