FNBO (First National Bank of Omaha)Reviews of fnbo.com

I’ve been a cardholder with FNBO’s Amtrak Guest Rewards credit card, and unfortunately, the experience has been far from smooth. When I requested a credit limit increase, FNBO failed to disclose any reason for the denial—despite initiating hard inquiries across all major credit bureaus within seconds. That kind of aggressive credit hit, without explanation, is excessive and unnecessary. To make matters worse, the annual fee simply appears on your statement with no prior notice. There’s no heads-up, no courtesy reminder—just a charge that leaves you no time to cancel or reconsider. Nearly every other major card issuer offers soft pulls for credit limit reviews and sends advance alerts before renewal fees hit. FNBO’s approach feels outdated and inconsiderate of the customer experience. If you value transparency, fair credit practices, and basic communication, I’d recommend looking elsewhere. This card may offer travel perks, but the backend policies are a frustrating ride.

FNBO is an interest-grubbing institution thinly disguised as a people-centric bank with conservative lending standards. My temporary APR reduction to 6% for a credit card was cancelled and the usurious APR of 26% reinstated within a month of starting the interest reduction program because I made a duplicate payment and called FNBO to reverse the extra payment. After telling me it was perfectly acceptable within the program and giving precise instructions to institute the reversal with my bank, FNBO used the duplicate payment reversal as grounds to end the APR reduction, erroneously calling the reversed payment an insufficient funds return! This demoralized bank intends to turn consumer debt into forever debt actually working against you paying off the debt so their greed tactics can suck you dry financially. THAT’S WHAT THEY’RE REALLY DOING.

Store beware this bank allows their customers to do chargebacks and keep expensive merchandise. They side with them no matter that it is proven fraud and you have police reports. Awful practice.

This place is so shady. I got a pool loan and trying to pay extra each month to principle. When you make your payment there is no option to pay extra to principle. Call in and they want to give you the run around about it that they will put in a support ticket but it’s up to support if they will move the payment to princ. And they wont do it every month. They do it this way because they can keep charging you more on interest since your principle is not going down. If you are not behind they shouldn’t dictate how you want your payment allocated. They just want to make as much interest off of you are they can. Not to mention when they first payment to the pool builder is paid you now have the full amount of the loan accruing interest even though they didn’t pay it yet.

I am a FNBO mgm elite card holder. I started receiving emails about upgrading to iconic card. They will waive the annual fee. If I spend $5000 in three months I get 25000 their credit increase. I spent $5000 then they tell me that if I am not eligible for the their credit cause I was an elite card holder. That wasn't told to me before only after I agreed to the iconic card and spent the money. Bait and switch. That is also why they have a 1 star rating. They must really suck. I also complained to mgm. Tainted by association

You name it! They are currently trying to rip me off. Been dealing with these crooks over two months and nothing just games they play, I wouldn't advise doing business with these ppl ever!

Wish I could give 0 stars. They are constantly resequencing my account from smallest transactions to largest. I don’t have overdraft protection because I want the transactions to decline if the money is not there ( I always know how much money I have and don’t spend what is not there because I can’t, by design!) but they resequencing my transactions from smallest to biggest and bam……all of a sudden my account shows -500 so the deposit I made off 250 that I needed to spend not only goes straight to them but I’m still left negative. I’m collecting information on these crooks and will be looking to report to the CFPB and looking into an attorney. They straight steal your money every chance they get, talk to you like your stupid when you go in to talk to them about it, and somehow it’s your fault….. No I’m through with it. I’m going to do everything in my power to expose these fraudsters and get My hard earned money back. They are lucky nobody have caused physical harm to anyone yet, you mess with people’s money and livelihood and and steal from them and you can only expect it to happen. I don’t condone violence but I would not be surprised to see bankers get hurt because of their “transaction process”. They change the days my deposits happen, change orders of debit buys all to make my account in the negative as much as possible. Really shady and I think illegal practices happening at this bank.

I deposited a check for $69,000 and they put a hold on availability of funds for 8 business days! I have been a customer for over 20 years with not one overdraft! I am changing banks to one that is out of the stone age!