I actually had my last fight with FNB last month... Went there, spoke to one of the clerks, and she promised with the nicest smile to sort it out for me, all the while my statement printing in the background...

Checking online statements a week later, I found charges for the statements and was about to phone FNB when my phone rang... Smiley Clerk was just phoning to let me know she found out what the problem was and that is was now sorted... OK, what about the charges I paid for statements that you should have sent? No problem, next morning first thing charges were reversed...

So there goes one thumb up for FNB, or rather to the Smiley Clerk who had the spirit in her to actually do her work, great stuff....