Takes too long to approve an overdraft. Missing Standard Bank now

I remember my experience with standard bank when needing an overdraft. Was quick and i received same day approval. With FNB, I assumed it would be the same, and waited last minute to apply. I always believed they were more up to speed with technology. But it seems i was proved wrong, and now i am wishing i never switched bank accounts. I tried the online application, and was just told some criteria was not met. I called in, and they couldnt assist me because it would take 2-3 days to "score" me. Very weird. Makes me terribly unhappy.