Over 15 years with First National Bank of PA and these past years have easily been the worse banking experience I ever had, plagued with changes and charges that getting explanations and fixes require you to speak to management who isn't available, who will send you online to file a complaint, which they will late respond that you need to call.. and when you call they say that they can not help and you need to speak to your branch manager.. weeks of messages and stress and additional charges!!! AVOID THIS BANK LIKE THE PLAGUE!!! Literally choose any other bank as it is getting worse as apparently they are were acquired by another company.