Not the experience advertised.

I am a Premier bank account holder, believe me the adverti*****t about how cool this bank is? That is not currently happening. Your team of bankers available...I am currently in line for more than 45 minutes and waiting. Only the bank debit my account before my salary is paid in, after arranging my debit order date. Cherry on the cake, my money gets taken before the agreed date, but the bank can't do anything about it. My question was, so if I had no money in my bank? "Then it will bounce" even though I didn't agree to the date. My experience with FNB is the direct opposite of what the bank currently advertise. Don't believe everything you see on tv. I have years of experience with FNB, take my word for it.