Worst bank in SA

Good day I really want to say that I am disgusted with how FNB charge you for everything after taking a monthly fee, even if you account declined they charge R8.50 for the declining, they really charge for everything, I have been with them for a month, but I think I will go back to the best bank which is Capitec Bank. FNB really are greedy for money. I really don't expect to pay if my account does not even have money in, Thanks