I read in the premier / premier fusion fees document that you get charges R69 or something if you use more then R200 on your ovedraft.Fusion saves you the hasle of having to transfer money from your cheque to credit to maximize ebucks earned.
I suspect the fusion account is simply a R15 discounted normal cheq acc with an expensive overdraft included. IF you have a personal loan (dont think this includes a home loan) then they discount the fusion account fee. FNB credit department making sneaky plans to up sales.