I dont understand what so great about this bank

1) you require more often than not to go into an actual branch. 2) online bankers are usless, very limited knowlege on product awareness. 3) absorbant account charges. 4) Benefits that have less use than a piece of sandy wet bread. 4) they force you to where you can spend money to benefit, really strangling the local competition within our local businesses. 5) parts of the application are always have working. 6) timeously being blocked by stupid warnings that you have to dismiss before using the app. 7) application struggles to connect back when changing network sources wifi and mobile. 8) been banking with them over 10 years even my car is with them and would not provide a home loan offer even though the only credit I had was with them on my car. 9) application is slapped together, half the options are either hidden or hardly working. 10) why does it take an employee to push a button at your bank to hand me a ticket to be told to stand outside? Just define your processes better. 11) why are there always heards of employees around their friends desks, no matter the branch I always see this, and yet there are dozens of people in ques. 12) you can hear the tone change between bankers and their type of consumers, talking down on those who need help and providing extra care to those who can afford. 13) why do you need to go into a bank to understand the best account type to match your spending behaviour? You have all that knowlege at your fingertips, why not use it? 14) far more other atm's than there are FNB. 15) Getting a new card send is always a hassel. 16) renewing car licenses via fnb app, sometimes takes a week before you are informed something is not correct. 17) randomly my fines stopped working. 18) ebucks is not that worth it for the hurdles you need to climb to maxise the benefits, spend more to make less, by having to use specific payment methods or stores. 19) 90% of the customer support dont know how to help, but if you keep flipping through the agents, you will finally find that one.agent who actually understands FNB service product offerings and can assist you.