FSNB, Fsnb - Crossville Branch

Name:FSNB, Fsnb - Crossville Branch
Full Service Retail Office
Review:19 client reviews
Location:2542 N. Main Street
Crossville, TN 38555

Cumberland County
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Phone:580-357-9880
Branch Deposit:$896,000
FDIC Cert:#16416
Established:2008-04-16


The Bank

Name:FSNB
Concentration:Other Specialized Lending < 1 Billion
Established:1946-07-01
FDIC Insurance:1946-07-01
Holden By:Jrmb Ii, Inc
Charter Class:Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
# of Branches:84, view all, view on map
Website:www.fsnb.com
Total Assets:$387,568,000
Total Deposits:$312,684,000
Total Equity Capital:$60,601,000
Total Domestic Office Deposits:$312,684,000
Net Income:$17,000,000
Quarterly Net Income:$5,055,000
Return on Assets:4%
Quarterly Return on Assets:5%
Return on Equity:29%
Quarterly Return on Equity:34%
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Client Review

19 client reviews of FSNB scored 2.5 out of 5.

Guy who went to Bossier LA from Central TX to get a card made.
Overall Rating
Interest Rate and Cost
Office Environment & Staff
Waiting Time
Other Services
by Learenzo, Mar. 01, 2018

Awesome service everywhere I have gone.
Bossier LA employees and Lawton OK ones are the best. Thanks for all your help and support.

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on FSNB, Fsnb - Bossier City Walmart Branch at Bossier City, LA
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Dickerson Pike Overall
Overall Rating
Interest Rate and Cost
Office Environment & Staff
Waiting Time
Other Services
by BluFlame2016, Aug. 30, 2017

Overall, FSNB has been really good to me. I always go to the Dickerson Pike Branch to do my transactions. The interest rates are not that bad. The 0verall rate is .08%. Now the fees can be some trouble to the lower income families who are opening an account. They offer an assortment but the best accounts for people in middle or upper level incomes would be the advanced checking or secure rewards checking. The Advanced is only 10.95 per month. Its pricey but gives you early direct deposit, FREE 5 Star Online Banking with Bill Pay and Text Banking, and free Checks after a 200.00 accumulated balance. If you want to get paid early, be able to check your account and transactions, and have checks for free, this would be best for you. Now if your a shopper like me, you will want the Secure Rewards. Its only 8.50, but you get identity insurance. Extended warranties, Online local savings, cash rewards, and bonus travel. So if someone steals your identity and all your information, the insurance company will come in and help clear your name.   If you are making big purchases like TV's and washers, you get a warranty from that store but this package deal will extend it by 5 years. You get great deals at Wal-Mart, Macy's, AppleStore, even the Disneystore through the online savings.
 Now the Walmart itself needs some help. But, the bank is well organized and clean. The tellers look professional and their uniforms always clean and presentable. The Management team here is strong and always help the CSR's when they need help. I haven't seen a team like that in my years on this earth. Amy, the bank manager, was at the Charlotte location but came to this location. She has always been helpful, especially with helping me get a loan and clearing some fraudulent charges off my account. She always has a smile on her face and greets everyone that comes in like there family. Over the past year at this location, there has been a lot of new people working. It has finally slowed down and there has been some familiar faces. One of the tellers, Lamia, helps the customers really well and explains things to everyone in a way for them to understand. I never had to wait long to be helped. I am always greeted and helped straight away. They have their busy moments, but they have been swift and helping everyone. In truth, this will always be the bank I recommend for people. -Snarky

* this reviewer has be with this bank for 1 - 3 years
* this reviewer had 1 - 2 banks before.
* this review was made on FSNB, Dickerson Pike Branch at Nashville, TN
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Nothing Special Here.
Overall Rating
Interest Rate and Cost
Office Environment & Staff
Waiting Time
Other Services
by Unbiased, Sep. 09, 2016

FSNB is a fair bank. I won't dramatize my experience and tell you to run as fast as you can. I won't exaggerate my satisfaction and tell you my experience was the absolute best. I plan to simply inform you of my experiences, how they made me feel, and what measures were taken to satisfy me as a customer.

Interest Rate & Cost: I gave this 3 stars simply because of my experiences with their fees. During my time with FSNB, I had the Career Checking account. So long as I had a direct deposit of at least $300/month, my account came with no service charge. I rarely used other ATMs, and so didn't have a problem with foreign ATM fees of $1.50. I rarely used Overdraft Protection, but when I did, it was only $19.75 per transaction, and I was not charged for every day my account was negative. I did, however, find some fees to be unnecessary. Withdrawal slips at teller stations are $1.25 unless certain conditions are met. This is really an attempt to encourage ATM use, so I understood. Until recently, paper statements were an obligatory privilege provided to me by the bank. Now I am charged $3.00 every month for paper statements. This fee could be waived if I sign up for e-Statements, which cancels paper statements, and this charge is an additional charge on top of any service charge I might incur. It seemed very unnecessary to me, as I've always understood statements to be something a bank was obliged to send me as a courtesy for banking with them. I have no experience with interest rates as far as loans go, simply because I chose not to go through FSNB for my auto loan. They wouldn't fund a truck for me, and if they did, they would set my payments at over $500/month, something that shocked me. I had to go through Fifth-Third Bank to finance my truck (whose interest rates are phenomenal). Interest rates on investments are next to nothing. I don't think you can get even a full 1% on any IRAs or CDs except a 60-month CD. Even then, it's 1.15% I believe. Not really worth the time if you're serious about drawing any kind of profit from investing.

Office Environment & Staff: I rated this 2 stars because of how FSNB had set up the method of interactions between me and their employees. FSNB employees at individual branches have very little power to do anything meaningful. At best, even the Branch Manager is a glorified teller. No branch employee can discuss loan information with me, they can't inform me about anything particular in regards to credit or debit cards, they're unable to help with internet banking, they're kept uninformed about overdraft protection and its policies, etc. There is very little the teller is able to do by themselves. In many instances, I have been required to call the Main Office located in Lawton, Oklahoma to fix any number of issues with my account. This normally wouldn't be a problem for me. In almost every dealing with the Main Office, however, I have experienced terse, rude CSRs who are generally as uninformed as branch personnel. The only difference between branch personnel and Call Center CSRs is that a branch employee will tell you they don't know the answer to that question, and they'll get you in contact with someone who does. With Call Center personnel, I was always given answers that seemed confident and correct, yet when cross-referenced with other employees, was incorrect, and usually put me in a tight spot or embarrassed me. I really didn't appreciate it, and I felt that remarking upon such an instance would be futile at best, as I didn't trust the Call Center staff to properly handle the situation to ensure it didn't happen again, to me or to another customer. Branch employees are a pleasure to interact with, however. It just seems they are so restricted as to what they can do. In a way, it's frustrating because I'm not even allowed to call the branch anymore to ask the most mundane of questions. Now I'm required to call the Main Bank for any and every question I might have, or I'll have to go to a branch to physically ask my question. I don't like dealing with the Main Bank. I feel they don't care for me as a customer, and to a degree, I understand that. To corporations, we're all numbers. It seems, however, that FSNB has ceased to even care about that.

Waiting Time: My wait time is never long when I go to a branch. Whenever I go to the bank, I can always find a teller who is available. My wait time when I call the Main Bank, however, depends on who I'm calling. Oftentimes, I call the Call Center for mundane things, and am connected fairly quickly. There are times, however, when I need to speak to another department because the Call Center is unable to handle my request. Depending on the department, the call time could be a few minutes or it could be close to an hour. The longest time I have ever waited on a call was over 45 minutes on hold to the Cards Department. I have had so many dealings with the Cards Department that I now understand the wait time for the Cards Department to be at least a 10 minute wait. That, to me, is unacceptable.

Other Services: FSNB has a fraud protection service that has proven itself to be a double-edged sword. Upon using my debit card, I begin setting a pattern I regularly follow. Anytime a transaction falls outside that pattern, a number of red flags is raised. If it's a sufficient enough suspicion, my card is suddenly frozen until I am contacted by the third-party company FSNB employs as one of the security agencies that monitor account activity. There were times I didn't receive a call, and when I did, the company was very vague in explaining themselves to me. The company is legitimate, I now know, but I was very suspicious in the beginning simply because I had no prior warning to any of this being possible; I just knew that my card was denying transactions despite having funds available. This service has saved me, however, from what may have been weeks of frustration. Somehow, whether by my own negligence or by some criminal activity, my card number was stolen while I was vacationing in Atlanta, Georgia. I still had my card with me when I returned to Tennessee, so I'm unsure how my card number was stolen, but a week after having returned to Tennessee, my card was shown as being used in Atlanta, Georgia at a business I have never heard of. Because I had informed FSNB of where I would be and when I would return, my previous transactions in Atlanta were not suspicious, but this transaction was, as FSNB was aware of my return to Tennessee. Knowing this, they contacted me and informed me of this. We were able to turn the card off before the transaction was accepted, and I was issued a new card that same day. I know that saved me from a lot of frustration. Aside from this, there were no services that really stood out to me.

FSNB was a good bank for me to begin banking with when I first started working, and it has been a good bank to learn the ways of the financial system. There's nothing impressive at FSNB, however. I wouldn't say it's a bad bank, but again, there's nothing terribly impressive that I wouldn't expect out of any financial institution, and in some instances, FSNB has failed to deliver on those expectations.

* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
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