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

I’ve had the Amtrak credit card through First National Bank of Omaha for a little over a year. Recently, a refund posted after I had already paid my balance, leaving me with a negative balance. Getting that money back has been surprisingly difficult. I was told a check would be mailed within 7–10 business days — it never arrived. After two follow-up calls over the course of a month, I was finally told the refund had never actually been sent and would need to be reissued. There’s no tracking available, and I was advised to call again to confirm it goes out. Customer service has been polite, but the process feels disorganized. I shouldn’t have to repeatedly chase down my own refund.

This bank is a joke. It has terrible customer service. The app for banking never works. The security of the app sucks. They make changes to the app without telling you and remove features that I have always used. I can’t pay my credit cards through the app anymore. I can’t transfer money from one account to another anymore. The changes keep making this bank looks silly.

I was duped by my VOIP provider (VOIPO.com) when they suddenly closed down in July last year. Before shuttering down, they hosed out our existing credit cards under false promises of future discounts and extending services for 4 years till 2028. When I went to the bank with this complain and fraudulent charges, they did nothing. For 3 months they kept giving lip sympathy and eventually just said that the matter is more than 90 days old so I am out of luck. This bank is not for customers. I am more than 15 years old customer with them and thats how I was rewarded. after receiving typical "sorry" which was expected, I just want to let the users know that's not always the case. The bank chose to wash off their hands and proceeding legally for the recovery. I tried to attach a link to web resource but its not allowed per Trust pilot terms. In short, bank could have started a charge back process but instead just gave up. Talking and discussing with them is worst experience so I just gave up.

Worst app to use for a credit card and worst customer service I’ve ever had with any company. Ever. Appalled at how hard it is for them to even put my correct email on file??? Not to mention being 24/7 locked out of my account and having to contact customer service and get them into my account (nightmare) every single time I have to pay a bill because they never send the email I HAVE ON FILE the password reset. I would trust a homeless dude with my money more than FNBO.

I have banked with FNBO for years and up until recently never had a problem. But I had moved where there was not a branch and needed to change my phone number on my account. They would not allow me over the phone. My mom whose name is also on the account tried to go into the branch and change it but they wouldn’t let her either. Then at a later time I tried to call in and notify the bank of a large check that would be coming out of the account that day but since the phone number was wrong (because they had previously refused to update it) they would not allow me access and instead put a fraud alert on my account and said it would remain until I went into a bank branch. The person I spoke with seemed to be in a bad mood and did not want to be helpful or try and figure anything out. Thankfully I had another family member on my account who still lived near a branch who was willing to go in and help clear it up. When the family member went in the person who I had spoken with on the phone had put in the notes that “I began using foul language while talking to her.” My family member then knew that this was a lie because I don’t cuss. Everyone who knows me knows that I never cuss. I was already very frustrated with the whole situation but when I heard that the lady lied in the report I decided that I don’t really want to keep my money with a bank that operates like this anymore so I will be pulling all of my funds out and finding another bank that will actually help its customers. I hope they record their phone calls and whoever is in charge of customer service reviews the audio.

I was a visa card holder with first national bank of omaha. For many years starting around 2000. In August 2025 while attempting to make an online payment I noticed withrawls from my bank account that I did not autorize. After reviewing prior statments I identified similar charges dated October16 and 17.2023 And April 15 and 16.2024. I contacted customer service and Was initially told the charges would be refunded but later I was informed that they would not be. I then worked with my bank to file a claim and recived. The fund back subsequently FNBO reversed the credit and re-charged a total of $175.80 to my card account. I closed the account but i continue to collection recive calls regarding this balance. This expierence has raised concerns About account dispute handling Communication.

WARNING!!!!! DO NOT GET A OPEN A LINE OF CREDIT WITH THIS COMPANY!!! I was given a $5,000 credit limit ; I used $,2,000 of the card so far; I paid my bill on-time, never late !!! I have 5 other credit cards with on-time payments as well. This company without proper notice decreased my spending line to $2,600.00 ; This made my credit score -8 points against me !!! I called to speak with a supervisor that had no care in the world nor did the representative. They even agreed with me or not understanding why this happen ; Basically stated wait 4 months to get another line of credit! I pay my bills on time and work!! STAY FAR AWAY From this scheming company they SUCK!!!! In all my life of having credit cards I have never experienced this and BAD customer service !!! This reply is meaningless!! I never received nothing or no notice about this ! I called your no good customer department! Worthless like this response !! Do not use this company ! Hope they bankrupt! Which it will soon lol

I wish I could give negative stars.