FNBO Reviews

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.

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 is 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.

Applied for the Amtrak credit card three weeks ago. The application went into pending. I called the bank as my FICO score is over 820 with zero credit card debt and no defaults or late payments. I have plenty of credit and wanted this card as I travel on Amtrak often. I called the bank to see what the issue was and the customer service rep had no idea and I asked for a manager who was supposed to to call me but never did. I received a letter on Sat to send a copy of my driver's license and a signed copy of my social security card in the provided envelope that was enclosed with the letter. So I asked who in their right mind will send their most important information in the mail for anyone to open and steal my identity. This is a shabby low way of doing business and I am shocked at the way the bank wants to handle your personal information.

I open credit card on August. I got $20,000 credit limit, and then on September I try to use my card, It was declined. I called customer service, they said we have to review your account again and they asked me the paperwork I sent everything, they remove hold from my credit card and then on November it happens again. I called the customer service. They said there is a hold on it. I asked, why there is on hold on it, they told me they don’t know, there is a lady working on that, She is off for 3 days. We have to wait for her to come back to find out. This is unprofessional. They don’t know what they’re doing, I even ask to talk to supervisor and they said there is no supervisor.

Be very cautious. They do not want to give you a credit card. They don’t tell you anything. Horrible customer service. I have over an 800 credit score and all they could tell me was they couldn’t identify my information and that I was banned from this card because they cannot verify my information and I asked what information do they need to be verified? They told me they could not tell me that that I would have to figure it out on my own, but that I am no longer can apply for a card with them. I did not get anywhere. Could not speak to nobody. It was crazy. I have never in my life had had a problem with credit so good luck and if you ever have to call customer service it’s a nightmare.

I used this company to upfront a house project. It was a disaster from the beginning, I signed the loan through a link and never received any paperwork and was not able to make an account online. Called multiple times and did not get help. To make a long story short a cash loan that was supposed to not have any interests when paid in full accrued 17% interests. I believe the loan is designed for the customer to make mistakes and banked on them.

I was late once by 4 days in the year or two that I've had this account credit card account with FNBO. They lowered my limit by 7K for being late as they described in my letter explaining why they lowered my limit. Since then my credit has dropped due to credit limit being lowered by this Bank. Beware.