DO NOT BANK WITH FNB. PERIOD

Absolutely pathetic.

First of all, ive been battling for the last 3 or 4 years trying to get them to deduct the account-related fees etc on the correct date AFTER PAYDAY (25th). They have still not done this and keep doing deductions 3-4 days BEFORE PAYDAY and then either the last bit of money I have left in that account they take OR There isnt enough to cover everything and then I get a pretty little NEGATIVE value in my account and then they have the f***ing tenacity to send me an sms with a smiley face saying that my account is in arrears and if I dont make a plan THEY WILL DISCREDIT ME?!?!?!

Thats not even the half of it.

Support is absolutely pathetic, account fees are phenomenal, app doesnt work half the time, I get SO MUCH SPAM EMAIL from them and I checked my credit score, each time they do a check for new loan affordabilities ON MY BEHALF AND WITHOUT MY KNOWLEDGE it negatively impacts my credit score!

Ive been trying to get a response for a while now from their email support, asking them to downgrade my FNB account because I do not use it anymore and do not wish to continue to pay those ridiculous account fees... COINCIDENTALLY, they waited until just AFTER the account fees deducted again, before they decided to answer me on my query... Then I get told YES they can help me, but I must email somebody else (HAVE THEY NEVER ****ING HEARD OF INTER-DEPARTMENTAL EMAILS BEFORE???)... So I sent an email to that other email address and waited ANOTHER 2 weeks before getting an answer...

This is the best part... The response I get from this new email (AFTER WAITING FOR ALMOST 2 MONTHS for a response) is that I cannot do this via email, I need to go into a branch.. My closest branch is way outside of town for me.. An the bank operating hours are in direct conflict with my working hours including weekends so this is near impossible to attend to!

I asked them very nicely if they can at least place the account on hold from their side because YET MORE fees have started to go off, and they simply rep**** no they cannot.. Customer service my f***ing ass..

This particularly dreadful morning, I get an sms saying that my loan failed to deduct, and my account has been penalized with EVEN MORE FEES.. And this was AFTER I MADE very clear and specific arrangements AND it has been cleared and taken care of via 3rd party counsellors for almost a MONTH..

I phone their customer support to get assistance regarding this and first I get a response saying they cannot help me and I must be forwarded to another department but that department is still closed.. So I waited for them to call me back..

They called me back and said okay they can now put me through to the right department, so they did... And then... I get a automated response saying "WE ARE CURRENTLY CLOSED, our operating hours are from 8am to 16h30pm...etc"... THIS WAS AT 08:20AM.... HOW IS 08h20am NOT AFTER 8am?!?!

It would appear that they prefer that very unhappy and agitated customers have to storm into the branch and demand service ....

DO NOT BANK WITH FNB. PERIOD