FNBO Reviews

I paid my last statement with FNBO last month full amount my new bill for this month they have charged me interest when I called. They said it was from two months ago, therefore I will pay the entire bill again, which is a sizable amount and, I am never using this card again. This is not acceptable as I am paying my bill entirely; therefore, I should not be charged any interest rates at over 25%.

This bank keeps your money with no any reasonable explanation, and this happens for a very long time. If you make a deposit they put “your money" on hold for weeks. Nobody inside the bank can give you any explanation about your money. Nobody. The manager in South Omaha said that the “hold” just can be released by a department they can’t reach except by email. They don’t that department’s phone numbers, and they don’t answer emails. Is this a right way to make business? Leave the clients without her own money for weeks and weeks without any reason? Explanation? This is stealing your money. Take control of your money.

I got a universal credit card, made purchase on Universal's official website for hotel and park tickets. NEVER got the points, called MULTIPLE times, got transferred between customer service and reward dept, NO ONE can help. Terrible bank to have a card with.

I paid them off in full, and canceled the card. They claim they sent me e/notice of a $31.00 interest charge after the balance was zeroed out. This is BS. Never heard from them again, until I pulled my credit report for a refi and found out they reported a charge-off to the credit bureaus, significantly effecting my credit rating. I never received their notice of the interest charge. Still, I called their customer service center and paid the charge off. They still REFUSED to remove the charge off. This company screws its customers. This customer is poison to its customers. Avoid them at all cost. Zero stars. The public needs legislative protection from credit card banks and companies exactly like FNB Omaha. I'm so sorry that I did any business with them.

My review is not about the bank itself but their lack of ability to keep their ATM up and working. It seems that they really don't care if it's working or not. I was told by an FNBO employee that the care and maintenance of the atms are basically contracted. Well maybe they need to speak to this person or business so they get the job done or maybe they need to find someone more reliable who has time to actually maybe "work'. Seems that the past 3-4 months the ATM at fnbo on Stonybrook in millard has had more down time than necessary. I chose this bank and location for the convenience.. Seems to me they don't mind making it inconvenient. Getting the feeling they are lacking in customer service when they don't keep things in working order.

I had applied for an FNB credit card back in October 2024. I used it once, and they canceled it in November 2025 because I didn’t use it. So I applied for another one in December 2025 and was declined because I had a duplicate account. I tried again because customer service told me to in January 2026, and was declined again because I had a duplicate account. So I called customer service, and they said that because the account was open less than 18 months ago, I was going to get declined on getting a new card. Which makes no sense because I don’t have an account with them because I don’t have a credit card, but now you’re not gonna let me reapply because you say I have an account even though I can’t use the account. Don’t ever get a card with them.

This loan had very clear terms, however once the loan was being paid the bank began unevenly distributing principle/interest. It was advertised as having no prepayment penalties, however I paid $20,000 towards the loan in 10 months and they took half of it for interest. Most months they took 100% of the payment for interest. I requested standard explanations and was given short, irrelevant responses via email. I paid a day before it was due, in the only system they have available for payment, and they took 2 days to post it to my account, and then listed it as late payment.

Ok so I have been a customer since 1982 when it started out as Bank of Boulder. The staff is friendly but every time I go for banking services like loans it's a hassle. I have had probably 5 or 6 loans. Never missed a payment. Always paid them off on time but ask for a small loan to purchase a truck o hell no. They want 9% and a cosigner. So I checked at Bellco 5.4. So where’s the love after all these years? Time to move on.

Thank you Ashley. You helped me today! Dec 19, 2025, 8:10am just before Christmas break. The app was not updating my balance on a card that I forgot was on auto pay..💰 You helped me to in less then 6 min to transfer that balance over and helped my holiday spending! Merry Christmas 🎁 Ashley. God Bless and I hope you get what you need this Christmas and blessings that last throughout the New Year! My name is Andrew, and I want to say thank you for your kind service.

If you are reading this, most likely you have been boned by FNBO. Originally got the card as a Ford card to pay for all my oil changes and maintenance on my trucks. Once FNBO changed to GearUP they reduce my credit limit (which effects your credit rating) and pulled by Ford Points benefit option (FYI - did not lose the points). After reducing my credit limit they entice to spend $1500 to $3000 for bonus points. I believe since FNBO had a hard time getting customers this was the intent as they are not well known and after their contract with FORD was up, they rugged pulled their customers.