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First National Bank (FNB) Germantown provides a full range of consumer banking, commercial banking and wealth management services, plus industry-leading online and mobile banking solutions. Apply for an account online or visit our Germantown location today.
Explore offerings from First National Bank on 19790 Crystal Rock Dr. in Germantown, with popular personal banking, business banking, loans & mortgages, and investing & private banking available at this location.
Branch Services
1 item
Personal Banking
Checking Accounts
Visit our branch to open a new checking account with one of our helpful tellers today. No appointment required!
Service dropped dramatically when First National Bank bought OBA. I tend to use the drive-thru because it's supposed to be faster, but lately, you end up sitting in your car with no updates or acknowledgement for 10 to 20 minutes or more.
The last time I tried cashing a check I waited in my car for 15 minutes, then went inside to find out what the problem was. "I'm busy with a customer now" was the reason I was given, although the teller never thought to let me know that at any point.
Today, it's the same thing: I sent the check to cash through the drive-thru tube and waited. After 5 minutes without hearing anything, I pressed the call button. "I'm busy with a customer", again was the response I got. It would have been nice to know that.
Angie is great and helped me with more complex problems. I don't know if she got fed up with FNB's "Customers Last" policy and left, because she's the only one who seems to care about customers.
SV
Shahan Vohra
Jul 17, 2023
5.0
Big Shout out to Anjani Pachai- Jaigobin (Angie), She is great banker, Great customer oriented approach, If google have option of 10000 star rating she deserves it, She is helping me in HELOC and lots of other financial wellness she have made me aware. Effective and immediate in response and very great in explaining financial terms, in easy and understandable to person with zero finches background.
RF
Rose f
Dec 15, 2021
1.0
I had an OBA loan which ended up with this bank. The customer service is horrible. I have had the worse experience. The online service is limited to just the current loan balance. it doesn't show the statements, it doesn't show the payoff balance, it doesn't let you make payments or see any payment history. This is a ridiculous website. It also doesn't have electronic payments. The only options are to send a check on the mail, which could take weeks to arrive, or to go in person to a branch. I also have other issues proving that i have home owner insurance. When you call to try to resolve any issue they give you the run around and the wait for a live person can be up to 45 minutes. To avoid having my blood pressure go up when dealing with customer reps, I had to pay off my loan and close my account. I will not do business with this bank.
BH
Brian H
Mar 15, 2021
1.0
Attempted to deposit cash at ATM,machine gave receipt acknowledging deposit. One week later, 5 separate trips to give them what they say they need to process it, and I’m still waiting. Nobody will return my call, I have only spoken to teller at the location, Numerous messages to the branch manager have gone unanswered. Multiple requests through the online banking messages system have also gone unanswered from upper management. THIS WAS A CASH DEPOSIT FROM A CUSTOMER OF 27 years
JR
Janet Robinson
May 4, 2020
1.0
Worst customer service experience and on going wish I could give less than one star! Through this pandemic ... they have not help ! Was trying to help my mother do an IRA ROLLER OVER REQUEST SPOKE TO MANY REPRESENTATIVES.. THROUGH CALL CENTER ORGINALLY WAS ON HOLD FOR 2 HRS AND CHANGE FOR SOMEONE TO TELL ME THE BRANCH WILL CALL ME THE NEXT DAY !. NO ONE CALLED ME I DECIDED TO PUT A REQUEST THROUGH THE OTHER FINANCIAL INSTITUTION AND THEN CALLED THE BRANCH TO PROCESS THE TRANSACTION AND THEY STATED THEY CANT HELP BECAUSE I PUT THE REQUEST THROUGH THE NEW FINANCIAL INSTITUTION.. THE NEW INSTITUTION SENT MANY REQUESTS ON MY BEHALF AND SINCE THE PROCESS HAD NOT BEEN DONE I DECIDED TO CALL THE BRANCH AND EANTED THERE HELP WOTH THE NATTER . THEY STATED MANY TIME THEY CAN NO LONGER HELP ME .. MY IRA CD MATURED AND SINCEI WANT TO STAY HOME AND SAFE .. I end up having to go to the germantown drive though were they stated I had to pay penalties of 250 or more.. and stated the person that answered the phone no longer works there .. I decided to call the branch and the person that picked up was the representative who had assisted us the entire time ... lying Representative then they stated I had to speak to the branch manager and I called gaithersburg and they hung up on me. Then I called again and they placed me on hold for 15 min and no response
Frequently Asked Questions About First National Bank
What services does First National Bank in Germantown offer?
First National Bank provides commercial banking, consumer banking, wealth management services, and industry-leading online and mobile banking solutions.
What are the regular business hours for First National Bank at 19790 Crystal Rock Dr.?
The bank is open Monday through Friday from 9:00 AM to 5:00 PM, and on Saturdays from 9:00 AM to 12:00 PM. It is closed on Sundays.
Does First National Bank offer drive-through banking services and when are they available?
Yes, the drive-through is open Monday to Friday from 9:00 AM to 5:00 PM, and on Saturdays from 9:00 AM to 12:00 PM. It is closed on Sundays and certain holidays.
Is the Germantown First National Bank open on major holidays?
The bank is closed on specified holidays including November 11, 2025, November 27, 2025, December 25, 2025, January 1, 2026, and January 19, 2026.
Where is First National Bank Germantown branch located?
The bank is located at 19790 Crystal Rock Dr., Germantown, MD 20874, USA.
What is the contact phone number for the Germantown FNB branch?
You can reach First National Bank Germantown at +1 301-528-9900.
Can I find other financial services near First National Bank in Germantown?
Yes, nearby financial services include SkyPoint Federal Credit Union and Western Union, convenient for additional banking or money transfer needs.
Are there convenient places to eat near First National Bank Germantown?
Yes, you can find Pizza Hut close to the bank, which is ideal for grabbing a meal before or after your banking visit.
What other essential services are located near First National Bank Germantown?
Nearby essential services include Locks & Locksmiths 24/7 for security needs, and 7-Eleven and Circle K convenience stores for quick shopping and fueling.
Does the Germantown area near First National Bank have health and medical facilities?
Yes, several health providers are nearby, including Doctors First Urgent Care, Montgomery Family Chiropractic, Smile Dental Care, and Germantown OBGYN Doctor for diverse medical needs.
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