Pathetic service(total lack thereof)

What exactly am I paying you guys for? How is it possible that all your services are off? No mobile app? No internet banking? ATM's? And this is not a one off thing I swear your mobile app is more offline than it is on... So what exactly does one do if ALL of YOUR services are offline and I need access to MY money which I PAY YOU to bank? Can I start handing out I owe you notes on your behalf to pay for items I require? I want you to refund me my banking charges as you have not rendered a service to me. And please contact me about closing my accounts