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First National Bank (FNB) Charlotte Uptown 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 Charlotte Uptown location today.
Explore offerings from First National Bank on 401 S Graham St in Charlotte, with popular personal banking, business banking, loans & mortgages, and investing & private banking available at this location.
Branch Services
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Personal Banking
Checking Accounts
Visit our branch to open a new checking account with one of our helpful tellers today. No appointment required!
Our experience applying for a mortgage with FNB was a nightmare. We have solid consistent income and great credit scores and were pre approved with no issues. Halfway through the underwriting process we were told there were delays but everything was going fine. We asked for regular updates from Vincent Sullivan and Katherine Shelton but most of our requests were met with silence or generic responses with no real updates. Our calls were often sent to voicemail with no follow up. When we called the bank directly and asked to speak with someone we were just told it was being worked on but that we were not able to speak with anybody directly. Finally after several calls and texts we were told they had a hard time understanding our pay stubs. My employer promptly provided all the requested documentation explaining our paystubs. The night before our scheduled closing date we received a denial letter at 9PM with no explanation and nobody to reach out to. Even after this, it was impossible to get help from Vincent or Katherine or anyone at the branch until we threatened legal action. Even though they claim to be experienced with physicians loans, they were completely incompetent when reviewing our income and completely left us in the dark with 0 communication and put us at risk of breaching our contract. They also require use of their checking account for a mortgage and their website and app are absolutely terrible and outdated. Thankfully a local credit union was able to get us approved in 2 days without any issues.
JB
Jackie Blue
Jul 1, 2026
1.0
Worst customer service of any bank I have ever dealt with. Save yourself the headaches.. bank elsewhere.
JA
Jonathan Anderson
Jul 4, 2024
1.0
This bank is really stupid they’ve depleted the money in my account for a debit card that they’ve took over 2 months to send out. They randomly will shut down your checking account without notifying you they’ve done it to me over 3 times was while I was out of the state. They don’t have 24 hour support and the support they do have is useless cause they don’t follow simple instructions
Needless to say, save your time and money and don’t ever make an account with this bank
TD
Tierra Demings
Mar 27, 2023
1.0
Do Not Work with Irene Saraber. She is unethical and unprofessional.
Frequently Asked Questions About First National Bank
What banking services does First National Bank in Charlotte Uptown offer?
First National Bank provides commercial banking, consumer banking, wealth management services, and leading online and mobile banking solutions.
What are the regular business hours for First National Bank at 401 S Graham St?
The bank is open Monday to Friday from 9:00 AM to 5:00 PM and is closed on weekends.
Is the First National Bank branch at 401 S Graham St open on major holidays?
No, the branch is closed on the following holidays: November 11, November 27, December 25, January 1, and January 19.
Does First National Bank offer drive-through services and what are the holiday closures?
The bank has drive-through hours but it is closed on certain holidays including Nov 11, Nov 27, Dec 25, Jan 1, and Jan 19.
Where is the First National Bank branch located in Charlotte?
It is located at 401 S Graham St, Charlotte, NC 28202, USA in the Charlotte Uptown area.
What is the contact phone number for First National Bank at this Charlotte location?
You can reach the bank at +1 704-370-9018.
How can I find more information about First National Bank online?
Visit their website at https://locations.fnb-online.com/nc/charlotte/401-s-graham-st or see their LinkedIn page at https://www.linkedin.com/company/f-n-b--corporation/
Are there convenient parking options near First National Bank at 401 S Graham St?
Yes, nearby parking options include SP Plus Parking, Central Parking System, Mint Street Parking Garage, and SP+ Parking.
What dining options are available around First National Bank at 401 S Graham St?
You can visit nearby dining spots like Chupitos (bar and restaurant), Graham St. Pub & Patio (American restaurant and pub), Mint Street Pub, Paper Mill Pub, and Domino's Pizza.
What entertainment or sports venues are close to the First National Bank in Charlotte?
Nearby entertainment includes Bank of America Stadium, Charlotte Knights stadium and team store, BB&T Ballpark, and Truist Field. These venues offer sports, concerts, and events to enjoy before or after banking visits.
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