I opened Zenith account during my NYSC year, I got my allowance through the account, long story cut short,
I Noticed am always the last to get allowance at month end, sometimes I will have to visit the Local Government office to make complaints, they always stated it was my bank network.
I didn't really bother, fast forward to post NYSC, I kept using the bank until I noticed 50 percent of transaction I make on the app fails due to their poor service, when using their ATM card I usually pray it doesn't get rejected, cux there is higher percentage of getting declined
Most time I get debited for outrageous reasons, I once left an amount in the account overnight only to wake the next morning to a debit of over ₦1000
To keep my Life safe I had to discard the bank. I prefer to use Opay now.