FNB online banking is complex compared to the other banks. Firstly I had to go to the branch three times to pick up an E-reg card (you need to sit in a long queue to collect this for absolutely unknown reasons), so that I could register for online banking (I only knew I needed this card as my wife was not told about the card and eventually had to go back to the bank to get one).
In this day and age the need for such a card is beyond me (why is the security and registration for your primary card not enough?) and secondly is a real pain to get - being your problem and not the bank's. When it came for registering on the online system it returned an error. The call centre assistant then was fairly condescending and eventually asked me to send a screenshot of the error, when I asked why or what for she started explaining what a screenshot is.
She got back to me after the screenshot process to tell me that the branch had associated my wife's ID number with my sign-on and I just had to go back to the branch... And endure queues, a 45 minute drive to get to town etc for their error.
Without punting other banks (they're all pretty useless with the exception of Investec), FNB!
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