Worst bank ever ... Pathetic service and understanding.

I opened an account with FNB. The agent that helped me open the account advised that I will not be charged if I do not use the account. Now all of a sudden, I am billed for an account that I never used. I asked for assistance on the number in the email from FNB, the first last advised I should go into the bank and they will be able to write off the balance as she can see there was no movement on the account, I go to the bank, they advise that I need to pay that amount. So what was the purpose of me calling and being told that they will retract or cancel the bank charges on the account if I am being told a different story at the bank ... and to top it off, the second agent I spoke to was so rude and told me that I must just pay the amount, there is nothing they can do to accommodate me. FNB really is the worst bank ever. I would not come back to FNB again and will never recommend them to any other person ever. I will rather stick to the banks that I know or even save my money under my pillow than to use FNB again.