Farmers National Bank

I had an auto loan through this bank and it was honestly a terrible experience. I purchased my vehicle in Ohio and had it financed through FNB because their rate was the best the dealership could find for me. I then moved across the country to Arizona for my job. This is when the problems started. In the year 2014, Farmers National Bank was still in the process of setting up online banking. I would have never imagined that would be possible, as I had been using online banking through other banks for several years prior to 2014. But this bank did not have it, which caused making payments to be a huge pain if I didn't want to snail mail the coupons every month. I had to jump through hoops to eventually set up automatic payments. I also have a huge problem with their information sharing policy. They sent me a letter in the mail saying I could "Limit their sharing at any time by calling them or sending back the form". So, I called them. Spoke to 3 customer service representatives that all claimed that they couldn't do that over the phone (despite what the official Farmers' form said) and that I would have to spend my own money to send them the form to limit the sharing of MY information. I called back every day, speaking to a different customer service representative every time, until the fourth person I talked to said they COULD do that over the phone! Do NOT call the customer service number if you want answers that are guaranteed to be correct! Finally, I had similar problems with inconsistent customer service help when I tried to pay off the loan early. I spoke to 2 people who gave me two completely different ways to go about paying it off. One way was to change the automatic payment amount (A convenience that Farmers charges a fee to do). But when I tried to do that, I found out Farmers wouldn't accept automatic payments that were that large, so I would have to change the automatic payment amount and in two months the loan would be paid off. Pretty frustrating and definitely not something the customer service representative mentioned. The other option for full early payoff was to send a check, but I was informed that if I went that route it would take 3-4 weeks for them to send me my title! When I asked why, they said it's standard operating procedure for them to sit on a payment check for 10+ business days. Unacceptable in this day and age. This little bank works on its own time and feels a bit behind in technology. It's probably a fine option for people who live in Canfield, but for anyone who lives a decent distance away, this bank is very hard to work with due to being fairly behind on technology (the website didn't even show when they received my monthly payments. No payment history listed anywhere on the site) and inconsistent customer service representatives.