First National Bank

Horrible, big bank mentality all the way. I started with this bank when they were LSB in Lexington North Carolina. They have since been gobbled up by FNB. Not at all interested in any kind of small business.
I have had deposits in excess of 6.5 million dollars since 2005. It just seems as though the loan department is uninformed about how to correctly analyze a tax return in respect for loan evaluation. Unfortunately, in my experience, the loan officers are not aware of what an AGI truly is in regard to depreciation and other itemized deductions.
Not to mention that they messed up our first PPP loan and we had to get the second one with a more reputable financial institution
Currently looking for another bank who can understand the needs of a small business and with local ties to our community.

Bank Manger and underwriter were always out of their offices while I attempred to refi. I spent 3 months getting paystubs, statements etc. Gather and submitting them to keep.the applucation current. Then I fell ill and missed the opportunity completely. I went from a cc score.of 800 to 300 was 3 mortgages behind. nobody was on any accounts etc. To do anything for me. I am caught up now but have $2,000 in late fees. I avoided other bills because of the. Constant threats of loosing my house. Because I was just 1 month behind. 300 phone messages. Adds stress to stress and then folks cannot heal.

This is the worst bank I have ever encountered. Avoid this company at all costs. My car loan is through FNB since they gave me the lowest interest rate, but they make it a huge pain in the butt to pay off your car loan. I have had to call them three times (and counting) to figure out how make supplemental principal-only payments, and they always apply the payment to my interest first and skip my monthly auto-pays. Every time I call and complain about this or ask them to fix it, they tell me that the department was confused and give some lame excuse. They tell me that I submitted the payment correctly, and it was an issue on their end. I have zero confidence that they will get it right next time. There is no way to make loan payments through online banking unless you have a checking account through FNB (which I would not recommend) so you have to mail a check to them. This is the only way to make additional payments.

Worst of all, I opened up an HSA account with them since my car loan was already here, and it was a huge mistake. I almost immediately moved it over to Fidelity. They do not offer investment options for HSA, but worst of all, when I transferred pre-tax money from an old HSA account over to FNB, they accidentally applied it to my car loan. I was livid. I called and was able to get it corrected, so I am hoping there are no issues when I file taxes next year.

ABSOLUTE WORST BANK EVER! We’ve had issues with them since day one. First, when we needed access to funds that were abruptly unavailable for no apparent reason, they weren’t available after 5 on Saturday so we had to wait to talk to someone on Monday after 8:30. Good thing we have another bank. Then they made an unauthorized transaction from our account and the list goes on an on…terrible!!!

Worst bank and even more worst is their staff and specially the security guard who gets a share from towing guys for towing your vehicles if you mistakenly park in their area. They will puncture and tow your vehicle even without figuring out if you are their bank customers or not.

They steal your money. Then the tell you to file a claim with the people who stole your money. Big surprise, you never get your money back.

I have been a FNB customer for a couple after I decided to leave PNC Bank because of on-going issues, I went to my local branch and opened up their (e-Style Checking) and it’s been a great experience in and out from the customer care to in-branch banking. The mobile app is really convenient for use, and they are also a great second chance bank for people in consumer reporting agencies. I’ve found FNB to have a good branch footprint in the state of Pennsylvania, especially, in Erie PA! They do need more branches in Erie PA which I would love to see them dominate the area, however, I have really enjoyed being a customer at FNB local branches have great people, there customer service is phenomenal whoever you need to call, and there mobile app is brilliantly designed, with some cool features to use!
I really love banking here and I am glad I made the switch from PNC it’s been a great decision I made becoming a customer of FNB!!!

I got a flyer in the mail that they would give you $500 for opening a checking account with them and completing some criteria in the first 90 days. I figured it was worth it, so I went through the account opening process and ordered a debit card. After almost three weeks, I had still received nothing from them in the mail, so I called their customer service. I was informed by someone that sometimes their system "gets stuck" while opening accounts so it never fully completes. I asked if that would be an issue for me and they said no, and when I asked about where my debit card was they said that due to the system glitch, it never got ordered and wouldn't have been if I hadn't have called. So no one is watching or catching these errors on new accounts.
I was going to send my direct deposit to them to try and get the $500, but seeing as the account had so many errors on it just in the opening process, there is no way I will trust these people with my money.

i hate that you have to pay cash every time with the little check slip. i wish there was a way i could pay online instead, it’s more convenient that way.

I was living and working in Vietnam and my accounts were blocked unexpectedly and without notification. I had no access to funds and the only option I had left to survive was to suspend my business in Vietnam to gain access to my foreign capital investment. I tried by all means possible to get the situation resolved but I was too late to do anything more and I could not even buy a flight ticket to come back to South Africa. After suffering hardship for three weeks while I followed the process to suspend my business, I submitted a claim for the severe losses that occurred as a direct result of their negligence, FNB's attitude was to brush me aside and blaming the cause of the incident on me and refusing to take any responsibility. I have since returned to South Africa, submitted a complaint to the Banking Ombudsman and it has been 141 days since the incident without resolution. My accounts unblocked automatically when the new year started but FNB's dismissive stance continues. I was also inadvertently copied on an internal email that FNB conducted, indicating very poor consideration for me as their client and also the entire process of how the rejection of my claim was conjured up.