FNB personal to FNB business payments are a JOKE

I made a payment from my FNB personal bank account to my FNB business bank account and it HAS STILL NOT REFLECTED 48 hours later. We have bills to pay as a small business and if not payed today we will incur penalties!!! I had to follow up with a banker to get the payment "authorised" and follow up again as to why it has not reflected, who knows if it will even get done today.