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FNB calls themselves the bank of the changeables but they are robbing clients through their ********** fees. I was charged R60 on my account because their monthly fee of R109 was not available to be charged on the 1st. Then I was charged R120 because they let Mr D transactions go through on an account that had no funds. Normally I get notified when I do a transaction and there's no funds. So there's no consistency.