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

DONT DO BUSINESS WITH THIS BANK!!! I did a balance transfer with them over a months ago and never received the money, I reach out to them the first time they told me I had to wait 24 business days to receive the money and after waiting that period of time and since I didn't got the money, I reach out to them again and they told me there was a problem in the way I did the balance transfer and the only option they could give me is to put a stop payment in the check turns out its been over 2 weeks and I still haven't receive an update from them, they don't provide you a case number or nothing and now they want me to make the minimum payment for a money I never received, this situation is crazy. The only information I have about my claim is a note that's in my account if any person in this bank reads this and wants to solve this situation the number is 699000662657. please avoid at all cost doing business with this bank you will have a hard time.

Absolutely horrible! Got a fraud alert on third party website of somebody using my information to apply for a credit card and this bank has been very reluctant to help!! If you don't have an account they will not answer a single question from their fraud department or credit department. Terrible customer support, the people who pick up the phones don't understand the banking systems! They just repeat the same script with no additional information, I spent over 2 hours just trying to get basic questions answered!!

Called customer service to resolve a disputed, re-occurring charge. The customer service representative said that it had only been charging since January 2026, but my records show it had been charging for over a year. All I wanted to was to cancel any upcoming charges from that vendor and she cancelled the entire card instead without my permission. There are pending charges to this card that I will now have to cancel and won't be able to pay for at least 7 days until the new card arrives. This is terrible customer service to cancel a card without the customers permission.

As far as I'm concerned these guys are crooks!!!! If I could give them less than zero I would. DO NOT DO BUSINESS WITH THEM!

Reading the reviews, I’m certain I won’t be using this card. Only got it to get the fast pass at Universal. Used it at the park to get rewards, used it once since. Made 2 payments since, I’ve only had the card for a month, trying to make another payment, can’t. App doesn’t work. Log in and can’t pay. I try to chat with an agent, site tells me one is unavailable and to call. I call. I get the fraud department. I explain I was trying to make a payment, not sure how I got to fraud. He transfers me. A woman answers and I tell her I’m trying to make a payment, but the options are greyed out. She puts me on hold a couple of times, then asks me to send screenshots of the greyed out options on the site. After doing so, she calls back 10 mins later. She has me clear my cache, I even try a different browser. Same issue. She puts me on another hold. A few minutes go by, and she comes back to tell me the reason it’s greyed out is there is a fraud hold on my account. lol, really? I’ve used the card at the park, even having to show my id when I applied, at the park. I made TWO payments. Who fraudulently gets a 8400 credit limit on a card, uses it WHERE they applied for the card, then makes 2 payments???!!! Cmon now. A couple of weeks ago, someone called me from FNBO. Asked me the same exact questions the person from Fraud asked me when I got transferred to them. Woman just kept saying “I don’t see a record of someone calling you.” Ok, did you all try to send me mail or something? Nope. Even when I asked about the app and why I couldn’t use it, first rep told me it was because they have been having issues with the app. Once I verified what they needed me to, wouldn’t you know, I now have access to the app. lol, I have a really low balance in relation to my limit. It’ll be paid off, and this card will live in my sock drawer. Only a month in, and this is not a company I can see myself dealing with.

Customer service is the worst I have ever experienced with any bank. The local branch personnel are excellent, but the corporate folks are abhorrent.

There is a major problem with the process of disputing illegal charges on the credit card. The team overseas has difficulty to read e-mails and understanding the content. They keep losing e-mail attachment and the entire process is very disorganised. In my last case (February 20, 2026, Claim ID 2602041552C) they ruled against clear guidelines of US government (Customs and Border Protection) because they lost the attachment to the e-mail (Harmonized Tariff Schedule of the United States Revision 1 2026, Section XVIII).

I noticed a credit inquiry from them, when I had not applied for a credit card. When I called them to let them know that someone was fraudulently creating an account with my information, they refused to close this account, because I didn't know the card number. Never mind that it is the piece of human garbage fraudster that has the fraudulently opened account number--they are allowed to keep using it, because only they are the ones allowed to close the account.