Wish I know what I know now 20 years ago

I have been a client of FNB for over 15 years. I am a so called \private client\", but response time takes days, some documentation need to be send over and over! Did a test to see what other banks can offer just to see the offers, what a surprise. Offers took other banks 3 days, received constant feedback to a level where is became annoying almost. FNB however are busy now for more than a week, after they called me to assist when I said I wanted to start closing my accounts. If I can advise any prospecting banking client never use FNB, their clients get the poorest deals because they know the challenges involved to change from bank. But make the effort the savings possible is worth the time in current economic climate!"