I have been pleased with FNBO. They called me some months ago, to advise me of a charge for escort services in LA (I'm in Austin, and no it wasn't me). They had no choice but to replace the card. A bit of a pain to change my automatic payments, but it got done.
Fast forward 8 months. I'm in Toronto needing to access an ATM for Canadian currency for tips on the Canadian. ATM declined me. I realized I had not set up a PIN on the replacement card. The FNBO call gave me the option to create a PIN without having to be on hold. Voila! I am a happy customer.