FNB ( First Not giving a ... Bank)

I've recently changed banking institutions as I couldn't suffer through being with FNB any longer and I will give me reason why to warn the next client I feel want to go for the so called "Premier account" first thing the so called Navi feature in app that's suppose to help you better manage your money that goes up and down like a roller-coaster that says one thing one day and another thing the next day. Then a team of bankers is assigned that you can contact anytime of day go feature BUT .... when things gets to heavy the chat is always redirected or discounted and this happened countless times and I got all the logs to prove it. As I mentioned I changed banks I wanted to change all my debit orders and close of the accounts (cheque acc , smart device and related products) I got rerouted and discounted it was and is still a real pain. From all these debits that bounced off the old account it sky rocked in unpaid debit fees that was brought to the attention of FNB. And this account was supposed to be so helpful I will never advise no one to join this institution cause what I will have to pay now is the biggest BS to date