Joel Basson’s experience with banks in South Africa had made him lose confidence in them. He felt they were only out to rip people off. Soon the opportunity to prove him wrong came and right at his doorstep, his own bank forced him to a rethink. He now thinks differently. “So, to every student out there that is paying bank charges in excess of R13.50, visit your nearest FNB branch and change banks,” he preached.