First National Bank

Customer service is very poor. We requested debit cards back in January and still had not received them in March. Long story short, requested new sets, not once, but 3 times. Our debit cards, 3 sets, are floating out there somewhere in the postal system. Every single time you call customer service, there is at the minimum, a 30 minute wait time and things do not get resolved. My husband and I have a joint account. My husband tried to use his debit card, after waiting for the card nearly 3 months, and it was declined. I called customer service asking why it was declined when there clearly was enough money in the account. After waiting 35 minutes I was told that they couldn't give me info because it was my husbands card. It is a joint account. Asked for supervisor, an unhelpful supervisor. I ended up hanging up on her due to being so darn frustrated. Needless to say, we will definitely be switching banks.

Has a long way to go to be a good online bank. Setting up mortgage automatic payments is tedious and takes forever. Cannot setup payments online, you have to do though paper and mail. Takes a minimum of 20 min wait time to talk to a representative if you need help over the phone.

I received poor service at this bank more than once. This displeased me. They didn't know what INC. means. Further, they didn't know how to cash an IRS check. This is not rocket science.

This is the most horrible bank I have ever heard of. My fiancé had a bank account with them and they kept charging him fees after fees and the unwillingness to waive any of those fees were unreal. They charged my fiancé over $200 in fees because he tried to book a flight. They said he has to contact Expedia to reimburse him for those fees that they (First National Bank) charged. They didn’t even budge when I said we will be closing the account. Very very poor customer service. Unbelievable!!! How can they even still exist? Smh

Predatory Fees, Thieves, and Horrible Service - I switched my checking and savings to another bank over a year ago but did not close FNB account because I still had some money. However over the years I’ve had several HORRIBLE experiences. And if a $37 OD fee doesn’t scare you - it should because they’ll charge it multiple times a day in addition to a $12 processing/return fee for the same transaction. When you call, you will not get help. My request to close the account was submitted 12/17/20, they didn’t process until 12/29/20 and when IRS sent my stimulus to this closed account on 1/4/21, guess who kept the money on a closed and cleared account? That’s right - FNB did.

I would not recommend this bank to anyone. I have been banking with this bank (and its predecessors) for more than 25 years and opened up a new savings account (online due to the branches being closed); my first purchase was made 4 weeks after the account was opened and I continued to check the online banking portal to check my account balance. Six (6) weeks after the account was opened, I received a call from the bank indicating that all new online accounts have a 24-hour hold before funds are processed, but my account had been held for 4 weeks and then they were debiting the charges manually (but they didn't have all of them entered) so my account was overdrawn almost $500 (with some of the initial purchased not credited until 6 weeks after the purchases were made)! When assured that day that everything was updated, I received a call the next day that there were additional charges missed (from the previous month). The bank manager apologized and told me it was definitely a banking error but there was nothing they could do. I messaged through the customer portal and received no response; the second request to the customer portal was responded to indicating my matter would be reviewed. I e-mailed customer service 3 separate times to receive an e-mail exactly one month later indicating they can't respond to e-mail and all communication must be made through the bank portal. Very poor customer service. I've taken my business elsewhere.

I cosigned a loan for a friend, who is no longer in the area. First National came after me because of the cosigned loan, despite me not receiving any of this money and attempting to work out a settlement amount. now involved in court battle number 2 with them. They lost the first time. Poor communication. noone seems to know what the other is doing.

Best APR and got my payments where they wanted to be at time of purchase. As for my experience since the COVID pandemic they are rude and not understanding nor sympathetic. Asking for an extension is like pulling teeth. One man gave me 2 months another said there are no deferrals and then months later I get told you can have a max of 6 months on deferrals so my late payments where for nothing!! I recommend finding another loan company/bank or make sure you are job secured and have a savings in case of another pandemic.