Fnb bank charges

Fnb is the most expensive bank. I went to the Whittlesea bank to open an account with them. I told the consultant that I want an account that will be cheaper and save on bank charges. The gentleman told me that I qualify for a cheque acc and I will only pay 150 per month on charges per month and I will need to download the app to save and to bank on it. I have 4 account that I do transfers on and fnb is charging R45 per transaction. Mind you am using the app, my phone, my data but am still paying fnb R45.