FNB Pending transactions - Pathetic

I have 2 problems with FNB - 1st off is the fact tat whenever I use my Cheque card, it takes up to a week for the transactions to complete and they just sit in pending, then when they do go off, the money isn't available anymore. This is pathetic, don't tell me its the "other" banks that causes this, I have an account with Every bank in SA, and ONLY FNB fails to deduct in a timely manner. my 2nd issue is, I'm paying for an overdraft service, but yet FNB allows transactions to go OVER the set Overdraft as well, with almost a R1000 - so what the hell is the point in PAYING for an overdraft if I can just exceed my account as is. I think FNB's service is dreadful. I would much rather continue using TYMEBANK or I will even go to Discovery - but im DONE with FNB.