I have been with this bank for many years and have always had a positive experience. Shout out…read morespecifically to Darcy. She has made every visit a pleasure even when I'm stressed. Thank you so much for your warmth and professional grace, you're company is lucky to have you

Be aware they had a their working for them cashed one of my checks and kept her on! Watch your…read moremoney

I have always had account with the Sandwich Bank, I grew up a few blocks away from the bank, my…read morefather and my mother were customers. Great small town feeling for a small business, or maybe even a few hundred dollars for a home.

RIP FSB. Farmers…read moreState Bank was a fabulous institution, nearly 100 years old when it was bought up by the big, mean Citizens First National Bank of Princeton. Just as there will soon be no independently owned coffee shops, grocery stores, or... well... anything, so goes the hometown bank. [In interest of full disclosure, my mom works at FSB (now Citizens) and I worked a summer during college. Their basement was spick 'n span after my tenure.]

I was just looking up info on my bank and couldn't believe that anyone would have anything bad to…read moresay about FNBO in Yorkvill. Are we talking about the same location? FNBO in Yorkville, IL? Because every time I go in that branch...and I mean EVERY SINGLE TIME...everyone is kind and cordial and they know me by my first name. I do my business banking there as well and the personal bankers ALWAYS go out of their way to assist me with bank wires and other transactions and have every ready for me exceptionally fast. I absolutely LOVE this location and HIGHLY RECOMMEND FNBO Yorkville! Simply the BEST!

My review is for FNBO in general and for experiences both at various branches and with the call…read morecenter. FNBO offers excellent products. Their credit cards have low interest rate and no balance transfer fees. Their Free Checking does not charge ATM fees when you use another banks ATM and is part of the Allpoint Network. They have ACH transfers on their online banking so you can pay a person directly to their bank account without forcing them to use an App such as Zelle, Paypal or Venmo. And they make the first $100 from mobile deposits available immediately. Their online only division, FNBO Direct pays very high savings account rates. Now the negatives. FNBO takes pride in being the largest privately family owned bank in the US. You should not be fooled when a business claims it is small or family owned, they can still provide you will poor service and treat you just like a number. In my case, on numerous occasions I have not found call center and branch reps to be very knowledgeable, nor do they necessarily value your longevity as a customer with them. In my experience, this bank generally fails to inform you of any expectations or policies that they may have that can affect you. When I made a large deposit to my account, they didn't just put a hold on the deposit, they froze ALL of my FNBO accounts for almost two weeks without telling me. When I reported my credit card stolen they CONTINUED to pay automatic payments with my new account number claiming this was the norm, my other banks didn't do that. They closed a small credit card with a $500 limit that I cosigned for my son who has had bad credit his entire adult life. My son had that card 17 years without a single late or missed payment. They waited 17 years to cancel the card? I have great credit and another FNBO card with a much higher limit. This is how they treat a customer of 17 years! And most cases when you call a branch, they don't help you. I called two Illinois branches to see if their ATM's accepted deposits because on the ATM locator, they weren't listed as accepting deposits. The people at the branches didn't even know if their own ATM's accept deposits. And they would transfer me to the call center where the reps were confused as to why my call was even transferred there.

I have been banking with these people for 30+ years,over the last 2 years, I have noticed a huge…read moreshift in their policies and procedures.Seems like they're chasing customer away. Last week I went to the bank to get change for $100 bill, the teller asked me for ID, no problem I complied. then they asked me what my occupation was. that's when the conversation ended. The teller said, it federal regulations, I think that's bad policy.

Ms. Haas was great. This bank is great so professional and honest. They are prompt and always…read morepolite. I had an issue with identity theft and they helped me tremendously. I do all my banking here.