Nicka Johnson is a true gem at what she does. She left me feeling very confident in my ability to…read morebudget successfully as well as ways to help increase my money to be able to save. Her experience and expertise is unmatched and just the time she spends to make sure you have a thorough understanding of your credit, money and the essentials so succeed in this life. I totally would recommend her and I must admit after speaking with her I am now working trying to work her into my budget. Totally worth it.

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.

Worst experience of my life. I've never had a derogatory mark on my credit in my life. They decide…read moreto mark my credit 30days late because they said I missed $0.87 on my payment. Yes you read that right. Literally cents. On accident. I asked them for a courtesy to remove due to error. They refused and didn't give two shi*s about my perfect credit. I will never used this bank again in my life. The customer service is also so rude and they don't care about you one bit and it shows.

I had considered doing business with Fresh Start 800 Inc. until I saw how its president, Alan…read moreArthur, conducts himself online. After a respectful conversation about police accountability, Alan responded by spamming my posts with insults, profanity, and personal attacks--publicly and repeatedly. If this is how the leadership handles basic disagreement, I can't imagine how they'd handle concerns from customers. A company that promises a 'fresh start' should probably start with its own leadership's behavior. Extremely disappointing.