Disappointing Lack of Support for Long-Term Business Customers – Avoid FNB if You Need Growth Financing

I have been with FNB since 2015, both personally and through my business, which I started in 2016. Despite being a loyal customer for nearly a decade, my experience with FNB has been incredibly frustrating, especially when it comes to accessing credit facilities for my business.

In 2017, I had an issue with a personal credit card, which prescribed by 2020. However, FNB has held this against me ever since, blocking any credit options for both my personal and business accounts—even though the debt is legally prescribed. When I tried to settle it years ago, they refused to accept payment, yet also refused to help me move forward.

This lack of support has had a major negative impact on my business. We struggled through tough years, and just as we started securing contracts with big-name companies (including some blue-chip clients), FNB’s refusal to provide financing has crippled our ability to scale. We’ve been left without working capital or credit facilities, making it nearly impossible to fulfill large orders.

The most frustrating part? No solutions, no flexibility, and no real assistance—just automated rejections. Every time I speak to a consultant, they simply say, "There’s nothing we can do," without offering alternatives. If you're a business owner looking for a bank that will actually support your growth, FNB is not the right choice.

I strongly recommend finding a bank that offers real relationship banking, where your history and potential matter more than rigid system blocks. FNB’s approach is outdated, inflexible, and harmful to small businesses trying to grow.

If you need a bank that will work with you through challenges and help your business succeed, look elsewhere. FNB has failed me as a long-term customer, and I wouldn’t recommend them to any serious entrepreneur.