First National BankReviews of 1stnb.com

Stay far away from doing business with FNB. They're communication is poor. Their representatives are rude. Their banking portal is dated and difficult to use. They tried to tack on a fee for lack of homeowner's insurance despite the fact that I sent in proof of insurance multiple times. It took me months to get them to remove the fee and finally close my account.

First National/1st Convienence bank account representatives are not compassionate or empathetic to ANY person going through ANY situation. For example, if your account goes overdrawn and you do not correct it by bringing the account to a positive balance BY THE END OF THE SAME DAY IT WENT NEGATIVE, they charge you $34 per transaction overdraft fee AND THEY WILL NOT WORK WITH YOU OR REFUND THE NSF FEE EVEN IF YOU FIX IT BY THE NEXT BUSINESS DAY.

Have a issue with Global account and FNB chooses to ignore my emails. Stay away from FNB they are the worst bank to deal with . A minus 10 is my rating

FNB’s lack of communication is really infuriating. Since the 28th of April I’ve been trying to get FNB to communicate without me having to initiate it first. The amount of money spent on buying airtime, just to call is actually ridiculous. They terminated my account without even alerting me or better yet sending a letter of termination . After a few weeks in the dark and visiting their branch only then they said you have to wait until you get the termination letter to proceed forward. Till now I’m still waiting for something. Absolutely poor customer service.

I am writing to lodge a formal complaint regarding the appalling service I have received from FNB over the past two weeks across multiple channels, including the branch, Fraud Department, and Personal / Private Banking segment. I have been a loyal FNB client for more than 30 years. The service I have received during this period has been deeply disappointing, stressful, inconsistent, and far below the standard I expect from FNB, especially as a long-standing client. On Saturday, 23 May 2026, my FNB credit card profile was compromised. Fraudulent transactions were processed, including Uber Eats transactions, despite the fact that I have not used my physical card for online purchases in approximately four months and have only used digital cards. I immediately contacted the Fraud Department and logged a fraud case. On this occasion, the Fraud team assisted by cancelling the compromised card and sending a link to my mobile app to request delivery of a new card. That initial service was acceptable. I later received notification that my replacement card could be collected from the Cresta Branch. However, I had to wait nearly one hour in a service queue simply to collect a replacement card. This is unacceptable and highly inefficient. The alternative delivery option would have taken a further four days, which was not practical given the circumstances. I fail to understand how this can be considered acceptable service for a customer dealing with fraud. The situation worsened on Saturday, 30 May 2026, when my FNB cheque card was also compromised. Fraudulent transactions were attempted or processed, including another Uber Eats transaction and a UK Google purchase. I immediately contacted the Fraud Department at approximately 15:00 to report the matter. During this call, I was advised that the Fraud Department could not order a replacement card for me and that I would have to contact my Private Banker. This was completely inconsistent with the service I had received only one week earlier, when the Fraud Department was able to assist with card cancellation and replacement. Since my profile was upgraded, I have not been introduced to, contacted by, or made aware of who my Private Banker is. I therefore had no practical way of contacting this person directly. I was then transferred to the Private Banking / Accounts Suite, only to receive an automated message stating that the service was unavailable and that I would need to call back on Monday. I called the Fraud Department again and explained the issue. I was again told that the process had changed and that no replacement card could be issued by Fraud, and that I would need to wait until Monday because Private Banking was unavailable. After a lengthy and frustrating discussion with the consultant, I requested to speak to a team leader or manager. The team leader then provided different and contradictory information to what the consultant had provided. This is unacceptable. FNB staff should not be giving customers conflicting information, especially in a fraud-related matter where urgency, clarity, and consistency are critical. I also queried why I should be liable for a replacement card fee when the card was compromised through fraud and through no fault of my own. I was advised that this was simply FNB’s process and that, due to the category of card issued, I would be liable for the charge. I strongly object to this. I refuse to accept liability for a card replacement fee arising from fraudulent activity where I was the victim. I would understand paying a fee if I had lost or damaged the card through my own actions, but that is not the case here. After more than two hours on the phone on Saturday, 30 May 2026, I eventually spoke to Karabo, who assisted by ordering a normal card and requesting that my Private Banker contact me and introduce themselves. While I appreciate Karabo’s assistance, it should not have required multiple calls, escalation, contradictions, and hours of frustration to receive basic support. This entire experience left me exhausted and extremely disappointed. FNB failed to support a customer in distress, failed to provide consistent information, failed to make Private Banking assistance available when needed, and failed to provide the level of service for which I am being charged. To make matters worse, a banker contacted me this morning at approximately 09:30 while I was on a work call. I asked the banker to call me back within an hour, as my meeting would end at 10:00. It is now after 13:00, and I have still not received a call back. This is yet another example of poor follow-through and unacceptable service.I am also requesting that FNB reviews the service fees charged on my profile. Based on this experience I should actually receive

Ive asked FNV to atrend to multiple ussues on secure chat where i was not heloee at all fir 4 hrs after i said i was in a hurry and setvice was very slow. Tgey delated me firc4 hrs and keot promusing service i never got. Several consultabt jouned chat abd left 45 mins later after never givibg any help :Buyiswe, Junior, Lebohang , Tebellious. Tyrone, Ntombizodwa. They then deleted all my secure chat messages for yrs wheni made query so i had no evidence. They deleted msgs for bout 8 yrs...just to delete what i threathened to report. Nitca thingvwas done and no apoligies. THIS SERVICE IS CALLED SECURE CHAT How secure would you feel after that. The lack of ethics in banking it shows is shicking and fnb will not deal with it as clearly tgecethicscis in keepingvwuth their brand. Whoever deketed my SECURE MSGS shoukd be fired alingvwuth whoever covrred for tgem as my money abd my chars sjpujd be protected esp in banking. They ruined my trust ahd beleif in secure chat and continue to ignore or gslight but thst is real banking so are we safe If they can deketedwgatever tgay lije whenever tgey like to protect unethical behaviour ???

This is the worst banking experience I have ever had. They make everything unnecessarily difficult. There is very strict rules on the amount of money that can be transferred and how many transfers can be made each month. I have not encountered this with other banks. The only reason I banked with them was for the physician loan and that was a horrible experience characterized by poor communication and unprofessionalism on their part. DO NOT BANK with FNB. You will most certainly regret it. I know I do.

This Bank is terrible in Customer Services, their Teller says what do you want, infested of other Bank says welcome to our Bank how may I help you. Teller was not wearing a name tag, so no one knows who was she. I believe FNB hire all prejudice employees. '