I gave it two stars because their customer service has always been wonderful. Now onto my issues…read more I started banking here as an adult since when I lived here as a teen, it was the bank I used. The one thing that absolutely enrages me, is that there is always some loophole as to why these banks can charge you $33-$99 in overdraft fees EVEN THOUGH the reason the account was overdrawn was due to the current balance displaying the incorrect/ not updated amount. Transactions on their debit card will pend for days. Any kind of membership, subscription, or payment plan will come off the card even if you don't have the funds. I've been put almost -$200 by this bank when bills came out, I had the money but they didn't approve the transactions within 48 hours and I spent my current balance on food to then be notified that money was supposed to go to pending transactions. My other debit card does not do this. It updates on the same day and my current balance always takes into account the pending transactions. First National DOES NOT.

I took out a heloc loan and the title company sent FNBO a check to pay off my credit card. After…read moreclose to a month, I called customer service and they told me they did not have the check. The title company canceled payment and overnighted a new check. FNBO then attempted to cash the first check (the one they claim they "didn't have".) and it came back NSF. I tracked the second check and it was received May 22nd. It is now June 23rd and the payment has still not been applied. I called customer service and they said they do not have the check. I assured them they do, as I tracked the check and explained the first situation. The first check was received by FNBO April 27th, the second check May 22nd and still not payment has been applied and my account continues to gain interest. It is unethical. Customer service says they will follow up and then no phone call. They say they cannot call the accounting department only email and weeks go by without answers. Fnbo is apparently still using pigeon mail processes in 2026. The incompetence is truly scary. I've been trying to pay since April and it's almost July. No answers. No help. Beyond frustrated.