UNHAPPY CUSTOMER

I WENT TO THE CONSTANTIA KLOOF BRANCH YESTERDAY TO OPEN MY FIRST ACCOUNT WITH FNB, THE CONSULTANT THAT ASSISTED ME WAS VERY EFFICIENT AND HELPFUL HOWEVER I AM NOT HAPPY WITH FNB SYSTEMS. THE CONSULTANT ADVISED THAT I NEED TO MAKE A DEPOSIT TO ACTIVATE MY ACCOUNT WHICH I DID AND SHE ADVISED THAT MY ACCOUNT IS OPENED AND ACTIVE. I RECEIVED TWO PAYMENTS FROM ANOTHER FNB ACCOUNT VIA CELLPHONE BANKING FOR R5000 YESTERDAY AFTERNOON AND ONE WAS DONE THIS MORNING. THE FUNDS STILL DO NOT REFLECT IN MY ACCOUNT, I WENT TO THE BRANCH THIS MORNING AND THE LADY PHONED THE RELEVANT DEPT AND SAID THERE WAS NOTHING THEY COULD DO SHE DID HOWEVER CONFIRM THAT THE FUNDS HAVE LEFT THE ACCOUNT IT WAS COMING FROM SO THEN WHERE IS THE MONEY SITTING AS IT DOES NOT APPEAR IN MY ACCOUNT? I NEED ACCESS TO THESE FUNDS FOR BUSINESS PURPOSES HAD I KNOWN THAT THIS IS HOW FNB WORKS I WOULD HAVE NOT OPENED AN ACCOUNT. WHEN A TRANSFER IS DONE FROM ONE FNB ACCOUNT TO ANOTHER SHOULD THE FUNDS NOT APPEAR IMMEDIATELY? I NEED THOSE FUNDS TODAY IF NOT I WANT NOTHING TO DO WITH FNB. I RECEIVED PAYMENT CONFIRMATION, REF SVJ5ZMGXC AND SMMQ9WGXC, PLEASE URGENTLY ASSIST?