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

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 FBNO is extremely OUTDATED WITH THEIR TECHNOLOGY AS THEIR RIVAL CREDIT CARD COMPANIES ARE MUCH BETTER.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?

Worst bank to deal with. zero customer service.

My main issue with this company is that they are lately overprotective. What is the use of using thier service if all your purchases are flasely flagged as fraud. They just can't live me alone and we are fed up with this nonsense. All I want is them, not bothering us for the next 3 months, about fraud.

Very rude customer service representatives, especially the review team. They are always very route and doesn’t want to speak with customers and every time I call them they seem that they just woke up from sleep. It happened 3 times. They didn’t let me know what should I provide to resolve my issue. They will need to change their staff.

I would not recommend taking out any sort of mortgage or loan with this bank. They will just sell it to an out-of-state institution with a poor reputation, tell you it’s “part of normal business” and all you can do it address it is pay off your mortgage or refinance your loan at a much higher interest rate, and then when you go to respond, they will have blocked your email address.

Stay away from this bank's credit card. Terrible experience. I made a simple credit card transaction, they flagged it as fraud. I called in verified my info, and that I made the purchase. They still left a hold on my card, so I could not use it, or even pay my balance. When I call in to find out, I was on hold for a long time, and then they say they cannot do anything, it needs to go through fraud investigation. About 2 weeks later, I get a call asking for my ID, signed social security card, AND pay stub or tax documents. I asked to speak to a manager, and they said they cannot do that. Never experienced this before.

My personal information was stolen and some Apple egift cards were charged. When I saw the charges I immediately reported the fraud to FNBO, the card was cancelled, and I changed computer and email passwords. I was just notified that I would not be reimbursed for the fraud because it was charged to my information. Yeah, because my information was stolen, which is textbook fraud. You don't have reliable fraud protection with FNBO.