First National Bank

About First National Bank

First National Bank of Reading, PA, is a community-focused financial institution committed to serving individuals, families, and businesses throughout Berks County and beyond. As a full-service bank, First National Bank offers a comprehensive suite of deposit accounts, lending options, digital tools, and personalized guidance. With decades of local roots, the bank blends traditional banking values—security, reliability, trust—with modern conveniences like fee-free checking and system enhancements driven by customer feedback.

A Range of Account Options

Whether you’re opening your first checking account, exploring high-yield savings, or seeking a business line of credit, First National Bank has you covered.

• Fee-Free Checking: One standout offering is the “Freestyle Checking” account. Customers who opt for paperless statements enjoy zero monthly fees, no minimum balances, and no requirements for transfers—giving account holders full access to their funds without worrying about hidden charges.
• Savings & CDs: While the bank maintains conservative interest rates, it provides straightforward terms and minimal balance requirements, ensuring that your savings grow securely over time.
• Lending Solutions: Home mortgages, auto loans, personal lines of credit, and small business financing are all available at competitive rates, backed by expert guidance every step of the way.

Immediate Cash Deposits & Fast Credit Posting

One of the most frequently praised features at First National Bank is the speed with which cash and check deposits are credited. Customers report that ATM cash deposits post immediately, and weekend or late-Friday check deposits are often reflected by the next morning. This reliability gives account holders peace of mind—knowing funds are available when they need them, not several business days later.

Embracing Digital Banking

First National Bank understands that today’s customers expect seamless, 24/7 digital access. The bank’s online and mobile banking platforms provide convenient features such as balance inquiries, mobile check deposit, bill pay, and external transfers. Recent customer feedback has highlighted areas for improvement—some users have experienced app crashes, account lock-outs, or delayed transaction postings. In response, the bank’s technology team is actively optimizing system stability, enhancing security protocols, and expanding customer support hours to reduce downtime and unlock smoother access for everyone.

Transparent Fees & Customer Advocacy

While many local banks rely heavily on overdraft and transaction fees, First National Bank offers a clear fee schedule designed to protect customers from unexpected charges. The “Freestyle Checking” account acts as a low-cost alternative for budget-conscious users. For other account types, the bank provides detailed disclosures and proactive notifications to ensure fee transparency. If a fee does occur, account managers are encouraged to review the circumstances and consider one-time courtesy reversals—demonstrating the bank’s dedication to fair treatment.

Accessible Branch Network & Personalized Service

First National Bank operates convenient branches throughout Reading and nearby communities, each offering lobby and drive-thru services. Although some customers have reported longer-than-expected wait times during peak hours, the bank is exploring extended hours and additional staffing solutions to improve accessibility. Whether you’re stopping by for a routine deposit or a complex loan consultation, you’ll find modern facilities, accessible parking, and a commitment to efficiency.

Championing Staff Excellence

At the heart of First National Bank’s customer experience are its people. While some reviews mention lapses in responsiveness or occasional staff rudeness, countless others testify to the professionalism and warmth of the bank’s team members. Two employees in particular—Kim and Adriana Salazar—have earned enthusiastic praise:

• “The employee named ‘Kim’… she did her job very professionally and accurately in a short time. Thank YOU very much Kim.”
• “Adriana Salazar—she’s the best!!!! Assistant branch manager.”
  These endorsements highlight how individual dedication can turn routine transactions into memorable service moments. The bank continually invests in staff training, communication skills, and problem-resolution protocols so that every customer interaction leaves a positive impression.

Commitment to Continuous Improvement

First National Bank takes customer feedback seriously. Complaints about customer service wait times, online banking glitches, or unexpected fees are logged, reviewed, and addressed through targeted action plans. Whether by reorganizing call-center workflows, planning system upgrades, or refining internal procedures, the bank strives to bridge gaps and build stronger, more responsive relationships. This measured approach ensures that the institution not only acknowledges past concerns but also charts a path toward lasting solutions.

Why Choose First National Bank?

• A hometown bank with deep Reading roots, balancing community values with modern banking practices.
• Innovative, fee-free checking options that save you money each month.
• Fast, reliable deposit posting—even on weekends.
• Ongoing digital enhancements to deliver a more stable, user-friendly online banking experience.
• A dedicated team—exemplified by employees like Kim and Adriana—ready to provide knowledgeable, empathetic support.

Experience the difference of banking where your voice is heard, your deposits post promptly, and your financial well-being is the priority. First National Bank of Reading, PA—where community commitment meets customer-centered innovation.