They do not provide multi-factor authentication. The best they have is single-factor authentication plus answering a security question such as one's mother's maiden name. Their login security is weak.
They do not provide 24/7 online support. This morning (a Sunday morning), I attempted to log in. My login failed. I tried to reset my password. The process completed, and I was provided a new password. However, when I tried to log in with the new password, that also failed.
They provide a support number to call. It is the general support number for the bank. I called the number, but no one was available; it switched me to a backup number where no one was available as well.
I am aware that maintenance is scheduled for some weekends; I did receive an email to that effect. However, there is no announcement on the webpage regarding system outages or availability.
I use FNB for local purposes. However, I limit my exposure since their security and support practices are questionable.