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!
Response from FNBO (First National Bank of Omaha)Mar 20, 2026
Thank you for taking the time to share your feedback. We sincerely apologize that your experience with FNBO hasn't met your expectations. Your concerns are important to us, and we'd genuinely like the opportunity to address these issues directly and work a resolution. Please contact us at 800-642-0014 so we can review your account, discuss any concerns you've encountered, and explore options that might better serve your needs. We're committed to improving our service, and your feedback helps us identify areas where we can do better.
BP
Brandon P.
Reading the reviews
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.
Response from FNBO (First National Bank of Omaha)Mar 17, 2026
Brandon, thank you for taking the time to share your detailed feedback about your experience with us. We genuinely understand how frustrating it must have been to encounter these payment access issues, especially when you were simply trying to make a payment on your account.
We'd truly appreciate the opportunity to review your experience and address your concerns directly. Please call us at 888-530-3626 (available 24/7) so we can discuss this situation with you.
We sincerely appreciate you bringing these concerns to our attention and value your feedback.
MM
Mike M.
Customer service poor
Customer service is the worst I have ever experienced with any bank. The local branch personnel are excellent, but the corporate folks are abhorrent.
Response from FNBO (First National Bank of Omaha)Mar 14, 2026
Thank you for your feedback about your experience with our customer service. We understand how important it is to receive consistent, excellent service across all touchpoints.
We're glad to hear that our local branch team has provided you with excellent service. For assistance with any concerns about other areas of our service, please give us a call at 800-642-0014 (available 24/7) so we can address your experience directly.
We value your feedback and appreciate you taking the time to share it with us.
GG
George G.
There is a major problem with the…
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).
Response from FNBO (First National Bank of Omaha)Mar 12, 2026
Thank you for your feedback regarding your dispute experience. We understand how frustrating it can be when you feel the dispute process isn't working smoothly, and we genuinely appreciate you bringing these concerns to our attention.
For assistance with credit card disputes and to address your specific concerns about your case, please call us at 888-530-3626 (available 24/7) so our team can review your situation and work to resolve any outstanding issues.
We value your feedback and want to ensure you receive proper assistance with your dispute.
B
B.
Knowingly Participates in Fraud
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.
Response from FNBO (First National Bank of Omaha)Mar 10, 2026
Thank you for bringing this to our attention. We're genuinely sorry to hear about your experience with a potential fraudulent credit inquiry and account. We completely understand how distressing and frustrating this situation must be for you, and we do take fraud matters very seriously.
For immediate assistance with this fraud concern, please call us at 888-530-3626 (available 24/7) so our fraud department can work with you to review this situation and take appropriate action right away.
RM
Robert M.
So you tell me I need to wait 30 days…
So you tell me I need to wait 30 days for a overpayment refund. Will that be 30 days from my first call over two weeks ago or 30 days from my last call ?
I called back the number you listed and now they tell me 45 days from the time I fist called. How do you train the workers to pull a number of days at random as an answer ? I have a feeling after that timeframe when I call back the answer will be 60 days. I wonder if I asked you for a 45 day wait period for your monthly payment what you you say ? It would be a late payment one day later and sent to collections within the 45 days you ask me to wait.
Response from FNBO (First National Bank of Omaha)Mar 9, 2026
Thank you for your feedback and your question about the overpayment refund timeframe. We understand how important it is to have clarity on processing times and when you can expect to receive your refund.
For specific information about your refund timeline and to get accurate details about your account, please give us a call at 888-530-3626 (available 24/7) so we can review your account and provide you with the exact timing.
We're here to help clarify this for you.
SH
Shawn
Horrible bank
Horrible bank! Ive been a customer for years. Im out!
Response from FNBO (First National Bank of Omaha)Mar 3, 2026
We're truly sorry that you've decided to leave after being with us for years. That's not the relationship we want with any customer, especially one who's been loyal for so long.
We take feedback like this seriously, and we'd genuinely like to understand what happened so we can address it. If you're open to it, please reach out to us directly at 800-642-0014 (24/7) so we can look into your concerns and see if there's anything we can do to help resolve the situation.
We appreciate the time you spent banking with us and wish you well.
JA
Jack
Terrible credit card company
Terrible credit card company. The fees are unnecessary and excessive, and overall it has been a very disappointing experience. Customer support is unhelpful and difficult to work with. I would not recommend getting a credit card with this company.
Response from FNBO (First National Bank of Omaha)Mar 5, 2026
Thank you for taking the time to share your feedback. We sincerely apologize that your experience with our credit card services hasn't met your expectations. Your concerns about fees and customer support are important to us, and we'd genuinely like the opportunity to address these issues directly and work toward a better resolution. Please contact us at 888-530-3626, 24/7, so we can review your account, discuss the specific concerns you've encountered, and explore options that might better serve your needs. We're committed to improving our service, and your feedback helps us identify areas where we can do better.
