PLEASE CLOSE MY ACCOUNT!

I have a cheque account with FNB Centurion mall of which I can no longer afford to maintain because I am now unemployed (can't even afford to pay the monthly service fees).My account is already behind with two months of monthly service fees so today(14 September 2017) I approached FNB Centurion requested them to put my account onhold/close it and make arrangements for me to pay their money in 3 instalments starting from today(14 September 2017) but they refused, saying that they need the whole amount of which I don't have, they further more told me that they will keep on adding the monthly service fees to the the amount that I already owe them and they couldn't even tell me when will they stop adding the monthly fees(they told me it can be for 6 months or more ),and if I don't pay the whole amount they will list me. I am not disputing to pay but I want to make arrangements to pay them and close my account...I thought they needed their money but it seems as if they prefer to list me than to get their money in instalments.We are always encouraged to negotiate with our creditors if we can't pay our debts but FNB refused to help me.