FNBO is a bank that has received mixed reviews from its customers. Some customers, like the one who had their billfold stolen, have praised the bank's helpful staff for ensuring a smooth transition to a new account. Another customer was satisfied with the assistance provided by an employee named Micah, who helped them with various banking needs. However, other customers have experienced less positive interactions, such as being denied a loan despite providing their credit scores, and being unable to purchase a cashier's check at a particular branch. Overall, the reviews suggest that FNBO's customer service and product offerings can vary depending on the location and the individual employee.