FNBO is a helpful bank with friendly staff and great customer service. Customers appreciate the assistance with setting up accounts and the good deals on checking and savings accounts. The location is convenient for some, though others wish there were more branches nearby. Staff members are described as nice, talkative, and willing to go above and beyond. Many customers are satisfied with their experience and choose to switch their accounts to FNBO. However, some mention they are waiting for Zelle to be available. Overall, FNBO offers a positive banking experience.