Have and FNB and Capitec account. Both banks have been fantastic. I use online banking and the apps of both banks and they work well. Branches I would definitely rate Capitec much higher as they are always quick to help you. FNB is better on the Online banking side, but Capitec does everything that online banking should do and it is extremely simple to use. Capitec's Cell phone app is tiny at just 2.39MB (which is a very good thing) and is actually brilliant! FNB's app is amazing and does everything but is rather large (25.21MB) for those South African's that don't have large data bundles (or are on Cell C where the network doesn't work.)
I would recommend both banks any time to anyone. Capitec for the normal stuff that people need to do or FNB if you require Credit cards etc.