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First National Bank Review 2026

First National Bank, a subsidiary of FNB Corporation, provides consumer and commercial banking services across several states with a strong community banking focus.

Founded

1864

Headquarters

Pittsburgh, PA

Total Assets

$45 billion

Branches

350+

BankingDeal Rating

Based on rates, fees, features, and customer satisfaction

3.7

out of 5.0

Rates & Fees

ProductRate / Fee
Savings APY0.05%
12-Month CD APY4.25%
Checking Monthly Fee$5

Rates shown are for illustration. Verify current rates directly with First National Bank.

Products Offered

Checking Accounts
Savings Accounts
CDs
Credit Cards
Mortgages
Business Banking

Pros & Cons

Pros

  • Community banking approach
  • Competitive local rates
  • Good customer service
  • Range of account options
  • Business lending expertise

Cons

  • Limited geographic presence
  • Lower savings rates than online banks
  • Smaller ATM network
  • Digital banking catching up to competitors

Our Verdict

First National Bank is a decent option for those who value 350+ branch locations and a full suite of banking products. Community banking approach, making it worth considering in the traditional banking space. While savings rates at 0.05% are lower than online competitors, the convenience of branch access and comprehensive product offerings may offset this for many customers.

Related Resources

How to Open a Savings Account
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Compare Savings Accounts by State
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Frequently Asked Questions

Is First National Bank a good bank?

First National Bank has a rating of 3.7/5 on our scale. Community banking approach. However, limited geographic presence. Whether it is right for you depends on your specific banking needs and priorities.

What is the savings account APY at First National Bank?

First National Bank currently offers a savings APY of 0.05%. Online banks may offer higher rates, though First National Bank provides other benefits like branch access. Rates are subject to change. Verify current rates directly with First National Bank.

Does First National Bank charge monthly fees?

First National Bank charges a $5 monthly maintenance fee on its standard checking account, though this can often be waived by meeting certain requirements such as maintaining a minimum balance or setting up direct deposit.

What products does First National Bank offer?

First National Bank offers Checking Accounts, Savings Accounts, CDs, Credit Cards, Mortgages, Business Banking. Services are available online, through the mobile app, and at 350+ branches nationwide.

Where is First National Bank headquartered?

First National Bank is headquartered in Pittsburgh, PA. Founded in 1864, First National Bank of Pennsylvania has grown to manage $45 billion in total assets. It operates 350+ branches.