FNB placing the lives of their customers at risk

Very poor online experience or should I say none. Tried registering for FNB online as I have a home loan account but the site says I need to go to an FNB branch to activate the profile for a card holder but I dont have a card. Why do other banks offer the online registration facility for home loan customers but FNB does not? Do they want their customers to goes out during COVID pandemic to a branch to register for FNB online? Very poor online experinece indeed!