FNBO Reviews

This is a fraudulent bank. They steal your information and close the account at any time without reason. They ask for personal information even after they close accounts. Stay away from this bank as they are not only thieves but racial profiling scammers.

I originally got this card because after a certain reward point balance you were supposed to get money back from RAM on a new truck. No dealer had ever heard of it when it came time to use. FNBO said I needed some certificate to present to the dealer and then made up some new rules about how old the account has to be or some other rigmarole. I finally jumped through those hoops and then they said it would take months to get the certificate. Well, I waited for that too. And it never came. Then they told me they would have to issue a new one and it also never came. I own a business with a few trucks so I had spare time to wait … however I never, ever got a certificate from them. The “rewards” were utterly useless and nonexistent.

I have been a card user with FNBO for nearly 5 years and This is the worst credit card out there. Their customer service is awful, their app is not user-friendly, and their way of business is going to be the reason they go out of business. Get Chase Sapphire or any AMEX, Citi has good cards too. Do not waste your time or credit pull on these guys.

This bank is very crooked. They started charging me $15 a month maintenance fee without telling me. I am going to be moving all my money to a different bank. I have since read multiple reviews saying this bank is very bad bank, stay away.

Can't believe what just occurred so be careful with FNBO so they don't take advantage of you. We go to a restaurant once or twice per month and on two occasions I played $10 of Keno. Got my credit card statement and noticed the charge of $10 but then a separate charge of $15. Called the customer service line to ask what it was and they explained that they consider Keno a cash advance and would not waive the $15 fee. I have had this card for 28 years and use it frequently. Never a late payment and yet they will still not waive the fee. FNBO manager was rude to say the least. $15 dollar fee on a $10 charge is like going to a loan shark. I will be filing a complaint on Monday with the Attorney General's office. Be aware!

DO NOT apply for the MGM Rewards Credit Card through this bank. You sign up for one promotion and then they deny your bonus points claiming that you signed up for a different promotion requiring a larger spend amount. This is a huge bait and switch scam that should be illegal and evaluated by the Federal Government.

I just received my statement for July and I had charged a subscription to Consumer Report on it. On the statement they listed my purchase of $29.99 as a cash advance (which I never do) and charged me an additional $16.75 for a total of $46.74. I have called multiple time and get put on hold and never answered my call. I called back to cancel the card and got put on hold again this time for 20+ minutes. I will never use the card again.

FNBO's credit card service is a disaster—incompetent reps, unresolved issues, abysmal communication, and glitchy systems. Amtrak must return to Bank of America! FNBO is a nightmare- Or risk losing reliable customers. Avoid at all costs!

This is the worst card ever! If I can leave a zero for stars I would! I rate them a big 0 ZERO! I used thier card for almost three years and got my credit limit to $8,200! I had just received another increase on my card less than 5 months ago and a congratulations on how great of a credit card customer I have been. They awarded me increases constantly, without me even inquiring of them, saying I was such a great customer! Soon as I report some fraud charges on the card not even 6months after the credit increase not only did the bank take away my recent increase they had just given me BUT THEY TOOK BACK EVERY PENNY THAT I HAD LEFT TO SPEND ON THE CARD! That left my card and account balanced maxed out because I had already spent 30% and then they robbed the 70% back from me.

I've had a FNBO credit card for many years. For the most part, it was ok. I decided to move my checking and saving accounts to a FNBO close to my house. I've had nothing but trouble. It's not good. I tried to pay my credit card account which is at a different FNBO location and they took the money out of the wrong account. (I also signed a paper saying it was ok if one account is short to use another), the payment got returned. No one notified me. I continued to use my card putting it into over the limit. I tried to pay the card off again and they did it again and didn't notify me, they apologized and told me, "It's ok because we didn't charge you a return fee" and now my FNBO credit card won't accept my payment I made over a week ago because they said there was 2 returns??