First National Bank

Entrepreneurs and business people, beware of this bank. Go to Citizens. In my experience, FNB is extremely risk-averse about lending to a business. After the first business loan (real-estate-backed), I could never obtain any equipment or working capital loans from them. I had to turn to other banks.

Had a flooded basement for which I filed a claim with my insurance company. First National hounded me for constant status updates on the claim and then finally sent me a letter seeking to ensure that all the claim funds were paid over to them so they can micromanage the funds. They contacted my insurance broker to get copies of my policy without even notifying me. I have had my mortgage with them for 10 years, so you would think they would have value for their longstanding clients. I would not recommend them for the hassle in dealing with insurance claims.

Initially, I thought it was a good idea to open an account at a bank so close to me. Over time, however, I've discovered that employees (both local and home office) are not particularly interested in helping with specific situations. A simple request for a paper statement to be mailed to me turned into a fiasco. "We don't mail paper statements." After several attempts and finally answering specific questions, it was agreed that I would receive a mailed statement. That was over a week ago. I also tried to convince the home office to mail me a statement overnight—a service they do not offer. Really? I'm betting their BUSINESS accounts have this type of service. Overall, this bank provides very poor service and I do NOT recommend it at all.

Should actually be zero. Customer service representatives at the corporate office are rude, arrogant, and just plain ignorant. Avoid banking here if at all possible.

Don't get a credit card from here. The entire department from which I got my credit card failed to inform me that other users had extreme difficulty paying off the card online. When I received the card (3-4 weeks late), I could only figure out how to make payments by phone. When I returned to my branch, they informed me that phone payment was the only option (which was a lie). After learning this, I recognized all the red flags they had raised and I closed the account on the 5th. Today is the 27th and they tell me I have another month until my security deposit is available. I also asked them why they would sell anyone this service when they know it's terrible, and why they didn't inform me about the complications involved. They had no answers, but they finally informed me about the online payments. They are advised to keep it a secret because it has such a low success rate. Stay away from this place. I'm now down 50 points and still waiting for my $500.

Unfortunately, my loan originator sold my mortgage to FNB. The online customer service is abysmal, and the online payment system is inaccessible unless you have an account with them. There is a local branch here, so I'm getting ready to drop off a paper check for my mortgage payment because I cannot pay online unless I schedule a transfer 3-5 days in advance from my bank. That doesn't sound like much, but sometimes life happens, and you forget. It's as if you time-travel to 1989, and they will charge you a hefty late fee, even if the due date falls on a weekend. I will say the employee at the branch was excellent, but had no access to fix my issues.

I would give zero stars if I could. This bank will nickel and dime you at every opportunity. Have you ever heard of a bank that charges you to wire money into a checking account? These bankers do! And you are required to open a checking account with them if you want to transfer funds to your auto loan. Then, when you do try to transfer funds from your checking account to pay your loan, they immediately take it out of checking but then wait for days to apply it to the loan.

"Let's charge them a few days' extra interest before we move the money from one of our pockets to another." It's appalling.

You know, I wouldn't be surprised if their ATMs make you wait a day to get your own cash, just to squeeze you a little more.

I dropped off my paperwork for my business articles of organization, etc., to open up a business checking account at the Fayetteville, NC, Morganton Rd. location two weeks ago. I have yet to receive a call or a return call, although I have made several calls to the branch. I was told every time that Bank Manager Shannon would call me back. As of 4-4-2025, I have received no calls from the bank or its staff. I don't understand why this is acceptable or a banking practice of this institution. I need some answers.

Possibly the worst banking experience I have ever had in over 50 years. They did not fulfill the bonus promised for opening an account and meeting the requirements. Avoid or be aware that they have horrible customer service.

I notified FNB that I would miss one mortgage payment prior to it happening because I was switching jobs and would be paid monthly. I asked for them to simply place the one month at the end of my mortgage term. They could not accommodate this request. I would like to point out that I paid on time throughout the COVID pandemic and alerted them of this slight delay beforehand. Despite this, I now receive harassing calls every month, even though I have not missed another payment since I began my new job. They have significantly decreased my credit score, and their collections team can be likened to cyberbullies.

I might advise against choosing them, but the internet behaves as it does, and pretty much all large companies operate similarly. By the way, I paid extra every month for five years prior to this one missed payment.

Anyone reading this can form their own conclusion based on their situation, but if you go with FNB, expect zero understanding—they are strictly profit-driven, with no regard for customer satisfaction.

Good luck.

First of all, I was a customer with this bank for almost 40 years. I was very satisfied until about a year ago. I was a victim of a scam and lost a lot of money in the process. I tried talking with the bank president and he was not helpful at all. He said I should have known that the checks I deposited were fraudulent. So they closed all my accounts except for a loan. They said they were going to notify the banking system and that it would be difficult for me to open an account at any bank. Instead of being helpful, they were causing me more trouble. I would not recommend them to anyone.

HORRIBLE EXPERIENCE - As a first-time homebuyer, this experience was horrific. Malachi Josiah Walker, based in Pittsburgh, provided me with evasive stories that made no sense. I specifically requested that he not run my credit until I gave permission, yet he instructed me to enter 000-00-0000 for my social security number. When I proceeded to the next page, my credit report unexpectedly appeared! I texted him to address the issue, and his response was, "I'm hoping this is not the case," as if to suggest I was fabricating the situation.

The following morning, I checked my credit report to find an unwanted hard inquiry. Having my credit already impacted, I proceeded with the process. He verbally pre-approved me, promising to send my pre-approval letter either later that night or the following morning. Regrettably, I have not received the letter, particularly after filing a complaint with his supervisor.

I have since contacted him multiple times, requesting he send the pre-approval letter, but he refuses, insisting on receiving "gift" letters that I already stated I would not be obtaining. He also mentioned my student loan payment, which is currently deferred by the government, will limit my purchasing power. When I inquired about my credit score post-inquiry, his response was simply, "NO."

I would not recommend using him as a lender, especially if you are looking for professional conduct; during our face-to-face meeting, he was eating biscuits and cookies, while belching throughout our entire face to face visit.

The people at the bank have been nice but can also be very rude. They seem to be focused solely on money and appear not to care. I had a "Cash Please" loan with them and am currently on unemployment, seeking another job due to a related injury. The "Cash Please" loan withdrew about $600 from my account in roughly three days, even after I proposed monthly payments.

I had to work extremely hard driving for Uber all day to compensate for the lost money. I am considering switching to a different bank and feel I should have given them only one star, considering all the fees, even with joint accounts.

The worst. Online banking is antiquated. Always locked out for some reason on the bank's end. It has been transferring money from my child's account to my checking and charging me $10 each time! I dislike this bank.

Received a mailer with a financial incentive to open a checking account—$600. When I started and entered the promo code, I got a message that the code had expired. The mailer clearly states I have until November 4th. Today is September 29. Typical dishonesty from a bank, in my opinion.