FNB Avis 2

eBucks Boost My Rewards Program is an absolute S C A M. There are a few criteria one needs to meet each month in order to qualify, so that after a year, you get a R1500 eBucks payout.

I have met these requirements every month and received my payout every year without fail. This is the only real benefit or reward one can get from FNB, so I always consciously make sure to meet the requirements so that I can benefit from it and actually get my money's worth out of being an FNB client.

This month FNB is telling me I did not meet the requirements, particularly the one for minimum R5000 card spend. I am looking at my transactions for the month in question, where I have spent almost double that. When I pinpointed this to them, they are telling me it doesn't matter which day I physically did the transactions on, because it will only count towards the month that the merchants cashes it for. So basically even though I far exceeded the minimum criteria, I now lose out on the reward because of the dates that the merchants choose to do their banking. Is the agreement for rewards between the bank and the merchant? No. It is between me and the bank. So why should my only reward as a long standing client now be affected by how the merchant chooses to do things?

I asked the eBucks consultant Farhaan if they are going to make a plan for me to still qualify for that month in question because it's absolutely heartbreaking for me to lose out on the entire year's reward program when I've worked so hard towards it and have always been consistent, now I lose out just because of one month that the merchant decided to do things in their own time. The consultant told me they won't be able to do that for me. I guess they don't give a D A M N how long you've been their client, how much you spend with them, how many products of theirs you've signed up for, they still will not budge.

So if you're thinking of signing up with FNB because their rewards sound so juicy on paper (like I foolishly did) don't waste your time. It is a gamble and is being wildly misadvertised and misrepresented. Their rewards are not guaranteed no matter how much effort you as a client put towards meeting the requirements, they will deny you because of third party merchants whose banking dates can change and differ anytime which literally has nothing to do with you. I won't be surprised if FNB makes an arrangement with these merchants to cash things out at a later date just so that they can avoid paying out these eBucks rewards to clients. Imagine how many hundreds of thousands they are pocketing like that.

Very D I S H O N E S T and S C A M M Y. And so disappointing coming from a whole financial institution. These are the people you are trusting with your hard-earned cash. Better to move to a different bank where sure, your fees might be a rand or two more but atleast with those institutions, what you see is what you get. Not like FNB who will find any avenue to avoid giving clients their rewards.

Federal funds availalabilitu Act. A cashiers check is a guaranteed fund. They are trying to hold almost 10,000 for ten business days till after christmas. . Whether you have had an overdraft or not it does not change your rights.Even if they hide that in their deposit agreement which they do. I checked it out thoroughly, completely. A cashiers check is a guaranteed fund. By cc law available within one day of reciept. They cannot hold that money by law. They are FDIC insured and in such must comply by federal law. They cannot override the federal government. Imagine how much money they could potentially holding in their rotation. MIllions. And? Of course they are using it. Making loans on whose money?A minimum amount of funds needs maintaned in the bank. Is someone cheating?.NarrowingMargins Why?Im reporting them to the authorities.I gave them every chance.