FNB is the worst bank to bank with. Period

The absolute worst bank to bank with.

Hypotheticaly. If a payment was made and the balance shows positive in your account, FNB will pinch your hard money by, delaying that payment until your account gets close to the negative. Then Once close enough to the negative for them to "Magtape" the payment and charge you for the item as if there was no funds in your account. Therfore a R321.00 purchase from A hardware store in my area with a positive balance of Let's say R400... Gets with held for 4 business days. My account still showing a positive available balance of R79. So I buy a packet of ice and a box of cigarettes and my account now close to R0. With R9 left.

FNB then decides oh hey, now let's take that R321 but oh look. There are not enough funds to deduct because he went to buy R70 stuff from Spar.

Let's charge him R180. On top of the R321 because the payment was Magtaped as Unpaid and no funds.

They have taken R180 for a R321 purchase that was made with a positive balance.

Broad daylight *******.

I will be closing my FNB Accounts shortly.