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

10+ years with this credit card company. They are the worst bank I’ve ever used. The longest wait times, rude people, no resolution. I’ve overlooked many wrongs over 10 years, but I’m finally done dealing with this awful bank. Going to Wells Fargo

I needed to make an extra payment. I called. I wrestler on the phone with a woman for 35 minutes about it. Said it would posted the next day. It wasn't. Called back repeatedly, but could not get anybody. Their call numbers are an automated nightmare. Their customer service is confusing at best and incompetent at worst. Will be transferring balance to a different lender. SMH.

The worst bank policy and staff. I used it in association for an airline which it dropped the milage program. However, they automatically charged you bank fee every year and wouldn't refund you if you cancelled it before the year you start.

This is one of the worst Credit Company, when you try to make a payment or pay the total balance, they claim that you or bank stopped payment and charge you a late payment and a reverse payment fee. Every month get ready for rollercoaster ride. Stay away from this Company at all costs please trust me and thank me later.

Today, I tried cashing a FNB check from a company. Since I’m not a member, the banker had to call the company and verify. Unfortunately, the company who issued the check wasn’t answering. So I was told I couldn’t cash the check until tomorrow(or if they can reach the company). I wasn’t mad as I understand since I’m not a member. The banker named Fabio went above and beyond for me. He told me he would call this company and leave a message explaining the situation and if they call back he would contact me. Shortly after 4:55, I received a call from the 5 star banker Fabio. He went above and beyond for me and delivered. I definitely thought it wasn’t going to happen considering the time and time of the year. Thank you Fabio, you’re a true gentleman and your kindness during our entire time in the bank was great from the moment I walked inside. Thanks buddy

It is my fault that I forgot to cancel my card before the annual membership fee. However, I just want to report that they were willing to cancel, but made me jump through hoops to be able to do so with calling back multiple times on multiple days to be able to get my $99 back.

This is a wicked terrible customer service credit card company. The personnel have no empathy for their valued customers. I was extremely disappointed with their call center CRS agents as they can never resolved my credit refund for $403.65. They continued to call me to follow up in a few days which I did but same result paper check not issued yet since 11-23-2025 when I requested a refund check. They do not give their va,Jed customers the option for an e-deposit as I paid in the past with my online bank account. FBNO is extremely OUTDATED WITH THEIR TECHNOLOGY AS THEIR RIVAL CREDIT CARD COMPANIES ARE MUCH BETTER. DO NOT APPLY FOR THIS WICKED TERRIBLE LOUSY CRS AS I WENT THROUGH.

Ditto on the bad reviews for their Reward Points plan. It is okay to use the points for "credit" but try redeeming cash back. Good luck. Eight days later, and multiple phone calls today, after waiting for my money to deposit to my account I was told, "oh sorry, the bank rejected it. Wrong routing or account number or something. Then I was put on hold and finally hung-up after 45 minutes. Hmm Had to redo the whole thing as if it never happened. Try redeeming point with the automated phone system; "push one (1) if you want credit, push two (2) if you want a mailed check." Hmm again. P.S. If you close the account you lose the reward points. Is that not money owed to you. Where does it go then?