First National Bank of Pennsylvania, Ligonier Office Branch

Name:First National Bank of Pennsylvania, Ligonier Office Branch
Full Service Brick and Mortar Office
Review:20 client reviews
Location:402 West Main Street
Ligonier, PA 15658

Westmoreland County
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FDIC Cert:#7888

The Bank

Name:First National Bank of Pennsylvania
Concentration:Commercial Lending Specialization
FDIC Insurance:1934-01-01
Holden By:F.N.b. Corporation
Charter Class:Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
# of Branches:425, view all, view on map
Total Assets:$31,211,939,000
Total Deposits:$22,581,552,000
Total Equity Capital:$4,473,703,000
Total Domestic Office Deposits:$22,581,552,000
Net Income:$203,942,000
Quarterly Net Income:$30,456,000
Return on Assets:1%
Return on Equity:5%
Quarterly Return on Equity:3%

Client Review

20 client reviews of First National Bank of Pennsylvania scored 2.5 out of 5.

Fees Forever
Overall Rating
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Office Environment & Staff
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by HighPoint, Apr. 18, 2018

This bank used to be affordable for someone with a small income and over the past few years, everything has changed.  The minimum balance required went from $100 to $300, an then jumped to $500 and now $1000.  Therefore, I had to close my savings account.  When I asked about the increases for minimum balances required, I was told that they were weeding out people with minimum wage jobs, and teenagers.  After all, they were in the business of making a profit.  As a retired teacher, I live close to the poverty level.  Accounts that used to be fee free, now come with pages of fees.  I saw the personnel change over almost completely, with new people who didn't know what they were doing. I no longer felt my money was safe.  They also questioned my withdrawals of my own cash, and when I asked why they needed to know, they told me they were gathering information for the federal government.  I felt my privacy was being invaded.  

Then, they said they would refinance me at 3.25 percent APR and it turned out to be 4.68 APR.  My house payment is more than 50 percent of my income in retirement.  I asked about a refinance through the HARP program and they said it wasn't meant for people like me.  The government told me that it was meant for people exactly like me.  I will be changing banks in the next week.  I have become very disillusioned by the banking industry.

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 1 - 2 banks before.
* this review was made on First National Bank of Pennsylvania, Severna Park Branch at Severna Park, MD
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First National Bank of Pennsylvania, Lewisburg Drive Through
Overall Rating
Office Environment & Staff
Waiting Time
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by SmilinJack, Dec. 11, 2015

To say this is a "limited service" branch is to understate the case.  This branch now (about 6 months) at Zeigler Road and US 15 was formerly located in a much more convenient location at Hospital Drive and US 15 with easy access and abundant parking.  The former had courteous staff and full service.  The latter has no inside facility for customers to discuss any banking matter at length--you have to do it from your vehicle.  The location is grotesque too.  To arrive there, you have to ascend Zeigler Road on a hill with a blind crest, then turn left and go back down the hill, then double around the building.  There is neither entrance nor exit to Rt 15.  The remote location of this building and total impersonality have led us to use the downtown branch, where traffic and parking are sometimes problematic.  This was probably a cost-cutting measure by higher (distant) management, and we are very displeased with it.

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 6 - 10 banks before.
* this review was made on First National Bank of Pennsylvania, Lewisburg Drive Through at Lewisburg, PA
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by RonD 2015-12-17 07:58:05
Excellent service and attention to detail.
Overall Rating
Interest Rate and Cost
Office Environment & Staff
Waiting Time
Other Services
by bresnj7, Dec. 09, 2015

I have had a checking account through FNB and FNB ONLY since the day i got my drivers license, so eleven years now. Living in Greenville, i've had the option between two banks, and always went to the one on hadley road. Up until about 6 months ago i've been being treated so poorly that recently it just brought me to tears. Now, i understand rules and policies change, and i know that certain tellers, if they recoginze you will do things regulary for you and not a customer tbey dont recognize and each branch will do different things. Which is completely understood.  Ive always cashed checks, from personal to payroll, wether i had money to cover it or not, which 90% of the time i have not, and its NEVER, not once, been an issue. Well a few weeks ago, my friend signed a personal check over to me, because he didnt have a license, nor an fnb acct, and the teller cashed it for me, even though i also didnt have the funds to cover it, NOR was my friend even with me. So, the next day, a different friend(with an expired license) had got his payroll check and i figured him signing it over to me shouldnt be an issue, especially considering the fact he was WITH me to approve it. And yet again, i did NOT have the funds to cover it. So when the teller asked for his license we explained it was expired and sent it through. I was RUDELY told they could not cash it as she continued to talk down on me. Mind you, i gave this lady no reason whatsoever to be rude to me. I polietly asked why just the day prior, i was able to cash a personal check that was singed over to me, NOT in my name, and tbe person who didnt have ID was NOT even with me, why that was acceptable to cash. With a defensuve attitude, The teller gave no explanation or apology, but she immedietly demanded the name of the teller who did it for me, because thats not possible(basically hinting i was she dug deeper into the cashed checks from the previous day, i gave her the name of the fellow whos check i cashed so she could determine the teller, which i typically would never throw someone who did me a favor, under the bus like that, but she needed to know i wasnt making up stories...then she preceeded to inform me that is not allowed. Which is COMPLETELY understandable, i wasnt arguing that fact by any means. After being talked down to, i thought by this time, expressing my opionion was fair. I said that it was unfair to one day do something for someone then the very next day not do it. Now, if that first day i was told just this one time they would do it for me, i wouldnt have went back and tried. The teller this time, all cocky, said just this one time mam we will never do this again. So i told her thank you i appreciate it, however as a customer that i didnt appreciate the attitude throughout the whole situation. Well that just made her mad so she told me nevermind she wasnt going to cash it and sent everything back to me. How is this acceptable? No you CANT, to you CAN this once, to you personally just dont want to?  The few ladies i dealt with were just very unprofessional, demeaning and apparantly trained backwards from eachother. Today, i had to cash a check for myself, that was from one if the largest retirement companies in the US for a measly 100.00 ...naturally it was an issue and couldnt be available untill the next day because i didnt have the funds to cover it, that i could try walmart. A customer who is clearly in tears because i needed the money asap, you send away? Well after me crying like an idiot, They decide they can. Not once in 11 years have i not been able to cash any type of check written to myself, at ANY fnb location. I think its unfair the way cusomers are treated differently and how inconsistant they are. I understand policies are policies, thats no problem. All it takes is a simple explanation.  As much as i wanted to cancel my account, im not going to just because of the workers from one branch. Not once in my life have i taken my time to give a bad review because, frankly i have better things to do than complain, i am not that person, but this situation really sparked my anxiety into a panic attack as i drove away. I dont feel the slightest bit welcome into that branch. From now on i will go inconviently out of my way, which thankfully is only three miles, to the other branch where i am treated like a customer rather than a snotty 16 year old who didnt get a car for her sweet 16. To all of you other FNB branches, keep up the good wok. Your service is much appreciated.

* this reviewer has be with this bank for >10 years
* this reviewer had 1 - 2 banks before.
* this review was made on First National Bank of Pennsylvania, Hadley Road Branch at Greenville, PA
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by henryhill 2017-01-28 11:03:55
After reading your review, I had no choice but to respond and ask, are you kidding?  Not only do you never have the money to cover a third party check to deposit, you have exposed the tellers to discipline by stating that they do not follow bank policy all the time as you know them and they know you.  Their well intended deeds to help you are against policy putting themselves at risk and you have been conditioned to believe that is should now be commonplace for you.  Wake up, we are all subject to the same policies. Lots of people have difficulty however the onus is on them to attempt to improve their life and add to their income by taking an additional job, going back to school, and seeking better employment.
by Stradlater 2017-02-28 18:04:00
The teller was not being at all unreasonable- if they performed a check cashing courtesy for you that was actually not permitted under bank rules , there would be no obligation to continue the practice into the future merely because it had been done once in the past. And this fact is inherently obvious, and should not be cause for generating
any ill will.

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