First National Bank
Incidental credit fee and statements

I have seen that many customers have complained about the Incidental Credit Fee, which applies to a debit balance without an arrangement.
This is ridiculous - transactions are based on the balance when I *130*321#/FNBapp, as I don't have access to a computer at a petrol station/mall for shopping per se, to check if it corresponds with the balance on my cellphone-(because everyone carries a laptop with internet access with them all the time to check the correct balance!) Why is cellphone banking then suggested or a service if the service is not up to par? Why should the consumer be implicated if FNB's cellphone banking/FNB app reflects the incorrect balance? When a payment is made the balance is reflected after each payment on sms - why does it then differ from my bank account? This is misleading and constitutes misinterpretation by the consumer, henceforth the debit balance - which unknowingly the client gets penalised for, for FNBs misleading information.
If I were in debit by hundreds of Rands for weeks, I would understand - this just another way of FNB to not help the consumer.
Please send my hard copy bank statements to the given adress, I'ven't received any from inception