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first national bank

First National Bank Reviews

7.5

bestfor-icon An innovative digital banking experience

lendstart
Written by Lendstart

About First National Bank | Read More

7

LS Score

8

Credibility

6

Support

9

Accessibility

Visit Site
Opening Hours Opening Hours drop-down-btn
Mon -Sun 8 AM – 9 PM
Contact Information Contact Information drop-down-btn
  • FNBCustomerService@fnb-corp.com
  • 1-833-226-5362
  • One North Shore Center, Pittsburgh, PA, 15212, U.S.
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First National Bank Certificate of Deposit Review

F.N.B. offers a variety of banking products and services, including checking accounts, savings accounts, mortgages, loans, wealth management, and insurance. The bank also has an online and mobile banking presence. Our only complaint is that their website feels more like a web store that’s difficult to navigate. Finding an entire list of term options and rates took some time.

With that being said, F N.B. offers especially competitive interest rates and many favorable terms and promotions for its CD and Money Market savings options.
The chart below lists their consumer CD options. Always verify rates and promotions with the bank.

First National Bank Certificate of Deposit Highlight

1.00%

Standard CD - min deposit $500

4.75%

CD Special - New Money - min deposit $10,000

3.75%

Flex CD - min deposit $500

$100

Minimum Deposit

$100

Minimum Balance

No monthly service charge on CDs

Monthly fee

No

Daily Compounded Interest

Yes

Early withdrawal penalty

Pros & Cons

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  • con-icon Offers competitive interest rates on its CDs
  • con-icon 900+ ATMs
  • con-icon Multiple account options
  • con-icon Overdraft protection may incur a fee
  • con-icon Uncomfortable online experience
  • con-icon Standard CDs have low APYs

Account types

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  • Standard CD - min deposit $500 1.00%
  • CD Special - New Money - min deposit $10,000 4.75%
  • Flex CD - min deposit $500 3.75%
  • Savers Goal CD - min $100 deposit 0.05%
  • CD Special - New Money - min deposit $5,000 4.00%
See Rates

First National Bank Certificate of Deposit Terms & Requirements

First National Bank only serves residents of Pennsylvania, Ohio, Maryland, Washington DC, Virginia, North Carolina, South Carolina, and West Virginia.

  • Account opening: You can open a CD account online or in-branch. You must provide your name, address, Social Security number, and date of birth. You must also provide a valid form of identification, such as a driver’s license or passport.
  • Minimum deposit: The minimum deposit to open a CD account is $100.
  • Term length: Certificate of Deposit terms range from 3 to 60 months.
  • Interest rate: The interest rate for a CD account is fixed for the term of the account. The interest rate is determined by the current market rates and the term length of the CD.
  • Interest payment: Interest on a CD account is compounded quarterly. There are multiple options to collect interest earned. If you close your CD account before the term ends, there is an early withdrawal penalty. The penalty amount is typically a percentage of the interest earned.

How to Apply

Qualification Requirements

Here are what you need to qualify for opening a CD account at First National Bank:

  • Residential status: To open a CD account, you must be a resident of Pennsylvania, Ohio, Maryland, Washington DC, Virginia, North Carolina, South Carolina, or West Virginia.
  • Citizenship: To open a CD account, you must be a U.S. citizen or Permanent Resident.
  • Eligibility: You must be 18 years old to open a CD account.
  • A non-expired ID: Driver’s license, state-issued ID, Military ID, passport, or Permanent Resident Card and visa.

Please note that these terms and requirements are subject to change. For the most up-to-date information, you should always check with First National Bank of Pennsylvania.

Withdrawal Penalty

Deposit Term Amount of Interest
3 – 11 Months 3 Months of interest
12 Months or more 6 Months of interest

State Availability

Available - Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia

Not Available - Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, Wisconsin, Wyoming

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faq-icon

FAQ’s

How long has F.N.B. Corporation been in operation?

Founded in 1864, F.N.B. Corporation has served its customers for over 150 years.

Where does First National Bank of Pennsylvania have ATMs?

FNB has branches and ATMs across Pennsylvania, Ohio, Maryland, Washington DC, Virginia, North Carolina, South Carolina, and West Virginia.

Which financial services are provided by F.N,B. Corporation?

F.N.B. offers commercial and consumer banking, wealth management, and many other financial options found on their eStore.

Customer Support

First National Bank’s customer support was satisfyingly responsive.

Email responses are typically received within 24-48 business hours.

For more direct communication methods, like phone support, the waiting time was under 10 minutes. Interactions were not with bots but with actual human
representatives, both over the phone and through email, enhancing the personal touch of their service. While they might not offer a ‘call back’ option, they offer
customers a response to emails within 72 hours and a way to book an appointment online.

Assessing their overall reputation in addressing client concerns, some reviews on the Better Business Bureau pointed out areas of improvement. However, considering
the corporation’s size, such feedback could be isolated incidents or online venting. On platforms like Glassdoor, the corporation appears to be a good employer, which often translates to better customer service.

Privacy & Security

First National Bank of Pennsylvania is at the forefront of ensuring stringent privacy and security standards in an era dominated by digital threats. Harnessing the latest technologies, they prioritize safeguarding sensitive financial and personal data, surpassing the already strict regulatory requirements.

The bank employs multi-factor authentication, encrypted communications, and real-time fraud monitoring for its advanced digital banking solutions. F.N.B. is also
transparent about its data practices, ensuring customers are informed about the usage and protection of their information. First National Bank solidifies its
commitment to providing a secure banking environment and maintaining trust through a blend of technology, regulatory adherence, and customer education.

In Conclusion

First National Bank of Pennsylvania operations have grown into a diversified financial services company with an extensive reach, with operations in seven states and the District of Columbia.

Their commitment to providing comprehensive financial solutions, from commercial to consumer banking and wealth management, aligns with their holistic approach to financial services. This is not just a bank; it’s a financial institution that has expanded and evolved to meet the ever-changing needs of its clientele. Their customer service, backed by human interactions and prompt response times, emphasizes their dedication to their clients.

While no entity is immune to criticisms or areas Of improvement, F.N.B.’s consistent growth, significant market presence, and deep-rooted commitment to the
communities they serve highlight their resilience and adaptability. The corporation’s recognition through various awards and its positive reputation as an employer
further solidifies its standing. As they continue their journey, there will likely be growth, innovation, and continued dedication to their mission of enhancing their
customers’ economic success and financial security.

Brand Disclaimer

First National Bank | Pittsburgh, PA

© Copyright 2024 F.N.B. Corporation. All Rights Reserved.
One North Shore Center – Pittsburgh, PA 15212
1-800-555-5455

Bank deposit products and services provided by First National Bank of Pennsylvania. Member FDIC.Equal housing lender

Investment and insurance products are not insured by the FDIC or any other federal government agency, are not deposits or financial obligations of the financial institution, are not guaranteed by the financial institution and they do involve investment risk, including possible loss of principal.

Not all products and services are available in all geographic locations. Your eligibility for particular products and services is subject to final determination by F.N.B. Corporation or its affiliates and acceptance.