FNBO Reviews

Omaha, NE

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About FNBO

Over 150 years old, First National Bank was founded by two pioneers, Herman and Augustus Kountze in 1857 serving Omaha and the surrounding communities. The pioneers who founded First National Bank did so in the spirit of innovation and commitment to customer service. Today, this sixth generation family- owned business has become the largest privately owned banking company in the United States, with locations in seven states and more than 6.6 million customers across the country.

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FNBO Reviews

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    How do I know I can trust these reviews about First National Bank of Omaha?
    • 4,659,924 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Customer ServicePunctuality & Speed

    Reviewed May 7, 2025

    Due to our out of county travels we needed an additional credit card due to Discover Not being accepted in many countries. We selected the FNBO Visa card. Had it for many months and paid our bill in full when due if not before. In December of 2024 we did not receive a bill so I contacted Customer Service. Although they did not speak nor understand English much at all, they did say my bill had been returned, not at fault, and stating it had been delivered to the WRONG address. They also stated all late fees would be waived if I paid my balance in full. They would resend my bill for this payment. Once I received it I did pay in full.

    Nonetheless, FNBO customer service did not keep their promise and drop the late payment claim. As a result of this single “missed payment” in 40 years my credit rating dropped from the 800s to below 700. FNBO is all about the “Almighty Dollar” and the heck with correcting their mistakes. FNBO could care less about seniors, veterans and just plain old law abiding citizens. We will not use this FNBO Visa again. NEVER!!!!

    NOTE: We did apply for and received a Master Card but with only $1,200 in credit as a Result of this low credit score FNBO blessed us with. In contrast our line of credit with Discover Is $22,000. (One just doesn’t get this type of credit with a credit score of under 700). No way would I ever suggest or recommend FNBO for anything. Poorest example of a reputable financial institution anywhere. Jim **. Mineola, Texas. **

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    Response from FNBO

    Jim, we’re very sorry to hear about your experience, and appreciate you taking the time to bring it to our attention. We’ve forwarded your review to the appropriate teams so we can improve our services. If you have any other questions or concerns, please do not hesitate to call us at 888-530-3626, or submit a secure message after logging into your account from our website. We will be happy to help.

    Customer Service

    Reviewed April 21, 2025

    Absolutely worthless customer service and not transparent about any fees or any programs to help loyal customers pay down credit cards. Manipulate and prey on young people to get credit cards with insanely high APR. Hidden fees, and don’t care about you at all. Please please please take your hard earned money elsewhere, they do NOT deserve your business.

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    Response from FNBO

    Jackson, we appreciate you taking the time to voice your concerns. We always want to make sure that any potential fees or interest are clearly disclosed, and we have shared your review with the appropriate teams to improve our services. To learn more about any fees, and see what options may be available, as well as any options to help with a difficult situation, you can call us at 888-530-3626. We will be happy to help.

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      Customer ServiceSales & MarketingStaff

      Reviewed April 20, 2025

      I was scammed by an account holder named Melanie ** from FNBO bank for a $7900. The scammer phished my email and provided FNBO bank details from a similar email domain and I went ahead to transfer funds to this scammer instead of the original beneficiary. Their support team did not bother listening to me or even tracing scammer's account. Their vetting is poor for account opening and accounts with this bank are mostly misused and compromised used for fraudulent activities and scams. And if told about such activities, they never bother tracing down the transactions or even the account which is openly carrying out such activities. Such a shame! Never open an account with them or even don't consider a transaction with anyone having an account with them. You never know if someone's scamming you.

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      Response from FNBO

      Mohammad, we appreciate you taking the time to share your experience, and you may be assured that we have shared it appropriately. To best resolve this issue, we would recommend reaching out to your financial institution. They will be happy to advise you of any steps that should be taken. If you have any other questions or concerns about FNBO, please do not hesitate to call us at 888-530-3626.

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      Customer Service

      Reviewed March 10, 2025

      I got this card not long ago and up until today had no problems with it until now. I cannot access my card account online. Called customer service. Took forever to get someone on the phone and I was told they are having problems with the website. Give it until tomorrow to get fixed. I also found out they had a data breach last month and did not inform me of that breach. Now I am really irrated. I called again and got told they were still working on it. Well that was several hrs ago and I still cannot access my account and I am more irked then ever now.

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      Response from FNBO

      We are aware of a temporary website outage on March 10, which has since been fully resolved. We apologize for the inconvenience.

      If you are still experiencing login issues, we recommend clearing your browser’s cache and cookies and restarting your device. If the issue persists, please contact us at 888-530-3626, and our team will be happy to assist you.

      FNBO did not experience a data breach last month. If we can assist in clarifying anything for your regarding this, please call us.

      Reviewed March 2, 2025

      They do a hard pull for asking for a credit line increase. I've got 12 other cards. Not one does this. I like Sheels, but they might want to reconsider being in business with this bank. I'm sure I'm not the only one that's not happy about this.

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      Response from FNBO

      We are sorry to hear that our services do not meet your expectations, and appreciate you taking the time to bring your concerns to our attention. We have shared them appropriately. If you are manually requesting a credit limit increase, a credit bureau inquiry will be made, and will not be removed once submitted. We regret any inconvenience. If you have any other questions or concerns, please call us at 888-530-3626. We will be happy to help.

      Customer ServicePriceStaff

      Reviewed Jan. 12, 2025

      I got an offer from them to apply for this card. With the Perks for a Bonus 10k MGM Rewards Points if I spend $1.5k in 90 days. So I applied in hopes of racking up my MGM Rewards Points. The 1st Month I got like 1,600 points. I paid off my balance before the due date. I called Customer Service to inquire about my Bonus Points, since I pretty much hit the goal in the first month 12-13-24. She told me that she can see that I'm scheduled to receive them in the next billing cycle. So up until Friday Morning 1-10-25, everything was good.

      So Friday morning I made a $1,650 payment of my $1,788 balance at around 4 am. I wake up to a missed call from FNBO. I called back and it's the fraud department. I immediately checked my previous transactions to look for any unidentified charges. I saw none! So I asked them what was up because those were all my charges. He said I need to send in a Notarized copy of my Driver's License, Social Security Card and 3 recent paycheck Stubs. I really didn't understand how they have me under fraud/ identity after I've already been approved and used this card for over a month. They said they couldn't explain but a letter was being sent out.

      So I reluctantly did exactly what they wanted which cost me $38.00 for Notarized documents. Then I called today 1-11-25 and I asked them did they activate my card yet? The lady (Jasmine) hung up on me and no callback. I called again and asked for a Supervisor because that was ride off her to hang up and then she didn't call back knowing my phone number is in the profile. He told me that high-risk management closed my account. I said what? Why??? He said he didn't know and that they will be sending me a letter. I know the reason. They needed a reason to avoid me getting my bonus 10k points this week. That's the only thing that made sense after reading all the bad reviews saying they frauded them out of their Bonus Points too.

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      Response from FNBO

      We're sorry to hear about your experience, and appreciate you taking the time to bring your concerns to our attention. You may rest assured they have been shared appropriately to help improve our services in the future. Unfortunately, we are unable to address this issue further via review. We recommend reviewing the letter that would have been mailed, and calling us at 888-530-3626 if you have other questions, or do not receive the letter.

      Customer ServicePriceStaff

      Reviewed Dec. 30, 2024

      Worst card ever. The offer for this card was that you would get 20,000 Amtrak points if you spend 1000 dollars in 90 days. I never received my points because they don't count the 99 dollar fee they charge you to have the account. No one tells you that. A week before the end of the 90 days I called to see if I spent the 1000 dollars and the agent also counted the 99 dollars and told me yes. I never received the points and basically was told I only spent 941 dollars because they don't count the 99 they charged me. On top of all this the offer was if you were approved for the card you would get 100 dollars back on first purchase but I also never got that either. I was told by a supervisor she would Look into it and was rude. I've never had this happen at any other company. I have a stellar FICO score and I honestly would never recommend this card. Go with chase or Barclays. They are far better!

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      Response from FNBO

      Nicole, we're very sorry to hear about the service you received, and that you are having this issue. Our goal is to provide an excellent standard of service, and your review will be used to help improve our services in the future. Since the supervisor you spoke to said they were looking into it, we recommend allowing 3 to 5 business days and reaching back out to us at 888-530-3626, or by submitting a secure message after logging into our website, to check for any updates.

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      Staff

      Reviewed Dec. 5, 2024

      I logged into my account today and saw a $13,000 balance on my spend summary, which was alarming. After reviewing my transactions, I found nothing to support this charge. I contacted customer support, and after wasting 30 minutes and speaking with three representatives, none of them could see what I was seeing. Their online messaging system isn’t working, and they have no way for me to share my screen or send a screenshot for clarification. This is unacceptable, especially for a credit card company that charges annual fees but can’t get account balances right. In short, I’m done with this company and strongly recommend others avoid using their services.

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      Response from FNBO

      Daria, we're sorry to hear about your experience, and you may rest assured it has been shared appropriately. We are aware of some users seeing previously posted transactions reflected as pending, which changes what is listed in the spend report on the website. We are working to resolve this issue as soon as we can, and apologize for any confusion or inconvenience. If you have any other questions or concerns, please call us at 888-530-3626, and our Specialists will be happy to help.

      Reviewed Nov. 22, 2024

      I set up my payment option for the first time, I copied and paste. Somehow it the payment bounced and I was told enter the wrong information. After that application and website stopped working would not let me make payments online or an app. Took a month of calling just to get it fixed. No problem since, until today. When my payment method was deleted from my account and they said I tried to use a closed account to make my payment. The customer support refuse to listen to me and done deal with this. I do not recommend their credit cards out there better rewards and cheaper places to shop.

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      Response from FNBO

      We're sorry to hear that you have had issues with your payments, and about the service you received. You may rest assured your review has been shared appropriately to help improve our services in the future. Unfortunately, this is not something we can look into via review, but if you call us at 888-530-3626, or submit a secure message after logging into our website, our Specialists will be happy to help.

      Reviewed Nov. 14, 2024

      A friend of my son stole and used my card. FNBO made me pay for it. Pathetic company. They even admitted it was wrong but after fighting with them for months I just lost the will to fight and paid it.

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      Response from FNBO

      We're sorry to hear that you're not satisfied with our services, and appreciate you taking the time to bring your concerns to our attention. You may rest assured they have been shared appropriately. For more information, or to see what options may be available, you can call us at 888-530-3626, and our Specialists will be happy to help.

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      FNBO Company Information

      Company Name:
      First National Bank of Omaha
      Year Founded:
      1857
      Country:
      United States
      Website:
      www.fnbo.com