F.N.B. Corporation (NYSE: FNB), headquartered in Pittsburgh, Pennsylvania, is a diversified financial services company operating in seven states and the District of Columbia. FNB’s market coverage spans several major metropolitan areas including: Pittsburgh, Pennsylvania; Baltimore, Maryland; Cleveland, Ohio; Washington, D.C.; and Charlotte, Raleigh, Durham and the Piedmont Triad (Winston-Salem, Greensboro and High Point) in North Carolina. The Company is one of the largest banks headquartered in Pennsylvania by assets with hundreds of branch offices located throughout Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Virginia and the District of Columbia.
The consumer banking segment provides a full line of consumer banking products and services, including deposit products, mortgage lending, consumer lending and a complete suite of mobile and online banking services. Personal depository banking products offered by First National Bank of Pennsylvania include: checking accounts, savings accounts, money market accounts, Certificates of Deposit (CDs), IRA Savings and IRA CDs.
The bank’s personal checking account options include both interest bearing and non-interest bearing accounts First National Bank of Pennsylvania’s CD terms range from 3 to 60 months. Online and mobile banking options are available, in addition to access to funds through debit cards and ATMs.
First National Bank of Pennsylvania offers several different business checking accounts, which vary primarily by business type and size. The bank also offers specialized business savings accounts, business money market accounts and “jumbo” CDs for large deposits, with terms ranging from 7 to 365 days.
Great customer service, horrible overdraft fees
I love banking with First National Bank, but their overdraft fees for their checking accounts are insane. So far as I know, they can charge you up to 10 in a day. At $37 each, that can really rack up a bill! Things happen, and sometimes it can't be avoided. In my case, a company illegally charged me and put me into the negative, and then I awoke to 8 overdraft fees. Luckily, their customer service is pretty decent so they reversed them all, but it would have been much better if they had never charged me in the first place. I think most other banks have a lower amount of potential overdraft fees that you can be charged in a day. I never paid attention tho this previously, but now you better believe that I will! So I give this bank a 3.6 overall, due to unreasonable policies regarding overdraft fees.
A good local bank
I dealt with FNB of PA for several years when I moved to PA and they didnt have my previous bank in the state. They were fair and friendly to deal with, always listened to my requests and were great at coming up with solutions to my financial issues. I would use them again i I ever move back to PA
FEES FEES & more Fees
I just recently had to switch banks due to my bank being bought out by another bank. I had banked with a bank called Metro bank and absolutely had a wonderful experience... until Feb 2016. Metro Bank (in PA) was bought out by FNB (First Nation Bank). The experience was horrible from day one with FNB. First during the transition, I had no access to my money because their system went down for almost 4 days and the weekend. Then two bills that I had paid prior to the switch and even saw pending before the switch, all of a sudden didn't get paid. So I hurried and paid them when I saw the amount credited back to my account. Then apprx 9 days later, FNB does a manual debit to pay the bills, so it resulted in them being paid twice and my account went negative and the fees started. First my over draft kicked in and what little i had in savings (all but $7 of the neg amount) transferred over to offset the checking. But I am still $7 neg in it. And since now there is no money in the savings a fees is assessed. And because of the fee, the savings becomes negative and every 3 days I am charge a $12 fee. Then I the checking I am charged over draft fees for two bills. By the time it was over with, I had over $276 in fees and still counting. Never again will I go with FNB or ever recommend them. NEVER!
Worst. Bank. Ever
This bank is so bad that it's scary. Never ever bank here. They are unprofessional. They absolutely do not care about anyone but their shareholders. As others have said, the fees are incredibly ridiculous. I could write a thesis on how awful this bank is. At least many of their locations are closing so hopefully they are on the way out. It has taken me so long to get free because of all the hoops that I have had to jump through. I seriously can't stress how terrible this bank is. Worse than any bank that has ever existed or ever will. DO NOT BANK HERE! FOR THE LOVE OF GOD, DO NOT!
Data as of Q4 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 7888 |
| Year Established | 1864 |
| Employees | 4029 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.13% |
| Return on Equity - YTD | 8.67% |
| Annual Interest Income | $1.99B |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2023vs Q4 2022 | $46.04B$43.73B |
| Loans | Q4 2023vs Q4 2022 | $32.37B$29.94B |
| Deposits | Q4 2023vs Q4 2022 | $35.14B$35.47B |
| Equity Capital | Q4 2023vs Q4 2022 | $5.93B$5.68B |
| Loan Loss Allowance | Q4 2023vs Q4 2022 | $403MM$398.9MM |
| Unbacked Noncurrent Loans | Q4 2023vs Q4 2022 | $105.8MM$117.5MM |
| Real Estate Owned | Q4 2023vs Q4 2022 | $2.8MM$4.3MM |
