Why does FNB keep shooting itself in the foot?

On 6/12/2024 I went to the FNB Woodmead Branch as I was having problems with the e-wallet system in obtaining new pin number and transactions. I asked for details of the transactions. A bank employee called the ewallet division and I spoke to a man who could read out the the transactions but said he could not email. He said he would transfer me to general enquiries. I was was not put through. On the same day, the ewallet was called in the bank and a woman answered this time. She said she could email. No email was received. A member of the bank suggested that I take out an Easy Zero Debit card which I did. On 13/12/2024 I recieved an email from FNB stating:

Dear Mr Powell,

1. This letter is addressed to inform you that the FNB Easy Zero product is not a suitable product for you as it is intended to service the unbanked for financial inclusion purposes. We note that you hold an FNB Encore account ending with ...6361, therefore may continue to transact using this bank account. 2. Please transfer any balance held in your FNB Easy Zero account to your primary account ending with ...6361 by 13 January 2025, or to a linked savings account, alternatively you may withdraw the relevant balance from the account. 3. AND Please visit your nearest FNB branch or call the Contact Centre on *** to close your FNB Easy Zero account by 13 January 2025. 4. Should you fail to close your FNB Easy Zero account by 13 January 2025, your FNB Easy Zero account will be migrated to an FNB Easy Pay As You Use (PAYU) account on 20 January 2025. On this product the monthly account fee of R6.50 will not be charged until July 2025. To access the product information and pricing guide on the FNB Easy PAYU product, refer to the FNB website on www . fnb . co . za. You will still be able to access and transact with your current Easy Zero debit and virtual cards. At your convenience collect your FNB Easy PAYU debit card at your nearest FNB branch.

The following section applies in the event that you choose to transfer funds and close your Easy Zero account:

Please note the bank will not take any responsibility for losses incurred due to the transfer of funds from your Easy Zero account to your primary account because your primary account is overdrawn.

The Bank may use these funds in satisfaction of any future legal obligations as they may arise and in compliance with what the law allows.

Please ensure that no funds are deposited into the closed account(s) after the closure date. Any payment instruments drawn against your closed account(s), or received after the closure date, will not be processed or honoured. The bank will not be held liable in any way for any payment instructions not processed or honoured after the closure date.

You are required to destroy and/or cancel all physical and virtual cards issued to you and additional cardholders, in respect of your FNB Easy Zero account by the closure date. Please ensure that any existing subscriptions and membership fees processed against your card/s are redirected to an alternative card/s. The Bank will not be held liable in any way for declined transaction fees. Ensure funds are not withdrawn from your FNB Easy Zero account until pending card transactions have been cleared and settled.

Please ensure that you download copies of any bank statements you may require in future prior to the closure. Should you have any queries or require assistance in relation to this notice, please contact us on *** or visit your nearest branch.

FNB remains deeply appreciative of your support and trust that we can be of service for many years to come. Yours faithfully.

Regards FNB

If I move my FNB account to another bank, could I retain my Easy Zero Debit Account?

Can I get my ewallet transaction record for the last 3 months?

FNB motto "how can we help you" notices in the branch have been removed