FNB Instant Payments are NOT INSTANT even to FNB account.

FNB forced users to use Instant payment to get ebucks points. I paid my wife from FNB To FNB account using her card number for instant payment. Over 24 hours and it still not cleared. they say it takes 12 hours, how USELESS! DO NOT CALL IT INSTANT THEN! Tried chatting on their secure chat, its down. Without ebucks i would have left this bank long ago.