What happended to FNB service?

I have been banking with FNB for over 30 years and is about to close 4 accounts with them. First, I have a flexi account with them, they advertise 4.25% interest on the flexi with more that R1000 in account, I had MUCH more in the flexi, I only receive 3%, contacted them, they answered: "We have a wide range of investments ,when your account matures please contact us on *** and we can review". I was expecting them to say they will fix my interest rate to the advertised one. Has anyone tried to contact FNB recently? useless,!! spend all my airtime. So I withdrew my money after it matured and will be using a different bank for investments. When you transfer money from one account to another you need money in your account to do so. FNB charged me R200 for transferring with no funds, Charging that amount when I did have funds in my account is ridiculous. YOU NEED FUNDS TO TRANSFER. Logged a query from within FNB about this. Nothing, not a word. Another FNB flaw - I mistakenly paid money into a wrong account, Try get your money back with FNB... Even more useless. I see in other complaints that it is a mission to close FNB accounts, lets see.