FNB how can we charge you more

How can we help you has changed to how can we charge more and more. The regulator for the banking sector should review the fees for FNB. December 2023 paid a wopping R4000 in fees. For every immediate transfer payment, R45 and agents ask you as a client are you not expected to pay for an immediate transfer fee. On 100 now it is R26. Where as Capitec you pay R7.00. For FNB an unpaid = R105 per transaction over and above the the unpaid one gets charged, R180 to R550 monthly account fee of R480 and service fees 110. so if you have like tolls that get charged very late in the month or whilst you still have funds in the account and is only debited towards the middle of the month be rest assured your monthly fees increase and you pay for the unpaid transactions as mentioned from 180 to 550 depending on your trips. I am changing my bank this is not worth it.