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.

My husband is very ill with debilitating illnesses. He is on Social Security and receives a small…read morecheck. His medical bills are overwhelming and he cannot afford to pay FNBO $100.00 a month and almost $1000.00 to qualify for their hardship program. They have no compassion or sympathy for people that are unable to make the monthly payment and don't understand we are doing our best every month and not missed a payment in over 10 years.