FNBAK is possibly the least pleasurable banking experience one can have. Their apps, online banking, basically anything that requires digital access is abysmal. Their tech help fairly clueless, branch staff even more clueless. If not for the captive audience of Alaskans having few choices, this bank would have folded instantly. Incredibly clunky apps, ridiculously poor and annoying “security features” generally incompetent staff throughout. If you have another option, take it and avoid this banking embarrassment. Everything about FNBAK online banking is about 10-12 years behind the times, at your peril and frustration, best avoided if possible.