STONE AGE PROCESSES, immediate transfers never reflect on time, REGULAR fund clearing times a JOKE!!

DO NOT OPEN AN ACCOUNT WITH THIS USELESS OUTDATED BANK. NO ACCESS TO YOUR OWN MONEY. Highly irritated by the lack of interest in my on going query regarding funds not reflected in my account. Passing the buck seems to be the default response for all standard bank telephonic consultants. When I have recieved confirmation from a sending account holders bank, for funds transferred into my account using the immediate payment method function(twice confirmed including proof of payment) the funds have LEFT said bank, how can you NOT investigate, insisting the problem lies with sender?? Why should they be initiating query's with you??? Just look into your platform background and tell me where the **** my money is. Its definitely no longer with the sender!! So sick of waiting for funds to reflect with this God damn bank. You are by far the worst banking provider I have dealt with/been affiliated with. It seems the decision to switch my salary deposits to FNB was the best decision I could have made. I've kept my account with you open to use transactionally, but when I cannot even access MY OWN funds (a measly bladdy R300 rand) to purchase airtime off your useless app and online banking platform, it would be outrageous for me to continue banking with you!!! Appalled!!! I see by previous reviews posted this month alone, that your fund clearing process is outdated, you're aware of the issue due to VARIOUS complaints but are happy to continue feeding your customers bull**** excuses for your record breaking *** performance, inefficiency and snail's space fund clearing lead times.