F.N.B. Corporation (NYSE: FNB), headquartered in Pittsburgh, Pennsylvania, is a diversified financial services company operating in seven states and the District of Columbia. FNB provides a full range of commercial banking, consumer banking and wealth management solutions through its subsidiary network which is led by its largest affiliate, First National Bank of Pennsylvania, founded... show more
First National Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 09/19/2023.
1.7
114 reviews
from WalletHub and across the web
114 reviews from WalletHub and across the web
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First National Bank
Tommy Wilt @tkwilt93
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1 Star Rating
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.
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Product: First National Bank Business Services
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First National Bank
Celiar_12 @Celiar_12
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1 Star Rating
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.
Suggest you take an extra step at protecting yourself by purchasing a Post Office Money Order. Sure, it costs but you're in control when you put "Apply To Principle Only" in the notation. In addition, if they ever say they didn't receive your money order the USPS will investigate it (fee of course) and provide you with proof the money order was signed for and cashed or deposited and who signed for it.
Doing this way sends a message that you're not a victim of their "mistakes" that always benefit them--not you. This way you have proof if you wind up having to talk to an attorney about their practices.
The other thing? Once you've got a few money order payments under your belt file a formal complaint to the Office of The Inspector General or ask which USGOV agency handles mismanagement and FRAUD by banks!
Contact the IRS now to inquire about your HSA concerns. Believe it or not, they are people who want to help when asked before things get crazy! You can even ask the IRS if they can look into what the bank is doing with your misapplied payments.
Stay calm. Keep good notes. If you talk to FNB note the date, the person you spoke with, and the time. They may be playing fast and fancy with you now but you have the option to legally reduce your principle. FNB never willingly reduces the principle when customers try to alleviate debt. They don't make money that way!
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First National Bank
Chasma Hurst @chaz23
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1 Star Rating
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.
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.
Contact a bank that you can switch to. Maybe the new bank will pay off FNB so your payments can be made online at your new spot. Look into it. It's worth it for you!
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First National Bank
lemoinc14 @lemoinc14
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1 Star Rating
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.
First National Bank uses both Experian and Equifax credit bureaus for approval, depends on each application in particular.
But when it comes to reporting, it reports to all three major bureaus. So count on your financial activity to be updated on your TransUnion report as well.
If you suspect fraudulent activity on your First National Bank checking account, you should contact the bank immediately. Depending on how soon you contact them, you may be liable only for a small amount or even none of it.