The switch to FNBO was utterly seamless for me and I've had no gripes about the process, or the customer service (which I admittedly haven't used), or about the speed of posting transactions and AGR points, or the website. Till now.
The ability to search for past transactions is basically nonexistent. Just for example (and this isn't the series of transactions I'm hunting for; I've picked something generic and bland), I usually shop 2-3 times a month at the nearby Target. But there's no apparent way to look for what I've spent at Target. If I hit ctrl+F (for "find") and type "TAR" or any variants into the search box, it comes up with the last transaction at Target. And only the last. None of its predecessors. "Result 1 of 1."
Maybe downloading transactions, a prominent option, would work, but isn't that a ridiculous amount of trouble for a simple search?
If anyone has discovered the trick I'd be glad to hear it.