FNB charges to close accounts

I decided to close down my savings and credit card with FNB and also downgrade my cheque account from private wealth to just a normal silver account. The fees with FNB is just too high, right now I pay R6000 a year in account fee just on the cheque account! I do not see the value in it. With this package comes a private banker who you can never get hold of. Or if you do get through to them they cannot assist and you end up having to call the various departments yourself.

This time however the private banker did help in closing my savings account and saving pocket, and downgraded my cheque to a normal silver account. The credit card however is a problem, I settled the account in full but now I see I am getting charged R642.28 for "account closure fee". This was at no point discussed with me, and I do not see how FNB gets that amount to close an account! This reaffirms that I am making the right decision to close my accounts and move to another bank.