Awful experience, avoid this bank like the plague
Omg, I don't even know where to begin. This has been an atrocious experience right from the start.
1. It took them 1 hour + just to open an account. And I still had to complete more documentation and go back to send them! I’ve frankly never been assigned homework by my bank before.
2. This would have all been fine if it was sufficient, but it wasn't. They were 100% able to process an incoming transaction into the account, but even after 3 attempts to send money out through Zelle to my other bank account (Chase), I was blocked, stating "difficulty verifying my identity", and no other explanations given. How FNB was unable to verify my identity after I provided my ID number AND my SSN, when these have been sufficient for previous banks I’ve had accounts with, I will never understand.
3. The customer service is absolute hell. Please save your breath and energy and just take your money to another bank. It took 2 weeks of calling, trying to get through to somebody to get support. Each time the phone lines were either busy for hours on end, or bounced me through AI assistants. I've managed to have 2 calls with them so far, and it's been awful. On the first call I was promised that the issue has been escalated and the funds will transfer out in 2 business days. The pending transaction didn't even show up on my account until I followed up with an email stating I'm fully prepared to leave negative reviews and escalate the issue. It then stated that the pending transaction should be sent out to my other account in 3 business days. It has not. My other bank has no knowledge of this transaction, and the money is simply gone. The customer service person I called today was extremely rude, talked over me all the time, cut me off by saying "ma'am, ma'am" all the time, dismissed my concerns, acted all nonchalant to the point that it was absolutely infuriating, and insisted that I login to the website instead of the app just to show the transaction as sent when it wasn't, since the money, I reiterate, is not in my other account. He was 100% more committed to being proven right than to actually helping. It has been the most frustrating experience of my life.
4. Finally, when I sent the email expressing commitment to escalate the issue, I got an email and call from the branch I worked with stating that "they have a different recollection of the issue" and they wanted me to call back or come in person to clarify. Frankly, the fact that they are more committed to protecting their ratings should tell you everything you need to know.
TL/DR: Awful, still don't have my money, save your sanity and your money and DON’T do business with them.
25 July 2025
Unprompted review