FNBO Reviews

Do NOT get a card from this company. They are absolute garbage. To think I had a card with them for several years. Never a missed payment, always more than minimum paid, but simply for not using card, they cancel it with no warning, which is totally horrible for your credit score, so even after paying off your balance, this horrible company can AND ABSOLUTELY WILL harm your credit score. DO NOT DO BUSINESS WITH FNBO.

This is by far the worst bank I have ever dealt with. I spoke with them on Friday and the rep was excellent!! I paid my bill off and I rarely use this card. Today I got that my account was closed. I have 800 credit score and owe nothing. I would not recommend them to anyone ever even starting out with credit. The rep today did not even offer explanation and cut me off. Stick with reputable banks and customer service. I work in the RE industry/lender and would never suggest this credit card. I was going to cancel but decided to keep it. WHAT A MISTAKE. If I COULD RATE THEM A MINUS I WOULD. Glad to be rid of them.

This has been the worst experience I’ve ever had with a credit card. Like many other customers, my account was suddenly flagged for fraud without any explanation or opportunity to appeal. FNBO then closed my account which means I never received the cashback reward that was promised in the offer. I also attempted to pay off my remaining balance to avoid further dealings with this company, but the payment has been pending for several days. While it’s pending. I can submit another payment, which feels like a delivery tactic to charge additional interest. I’ve filed complaints with both the CFPB and the OCC and plan to contact Universal Studios directly to recommend they choose a more reliable co-brand issuer.

Absolutely crooked bank who forces their customers to pay for their mistakes. Between not knowing what day of the week it is, to forcing customers to pay for gaps within their own terms of service, I'd recommend everyone stay as FAR away from these criminals as humanly possible.

BP credit card they hawk is a bait and switch -- their 1 star rating from these reviews is well earned and spot on -- don't make the same mistake I made -- pass on all their offerings -- none are legit.

UPDATED ON 10/15/2025: I called number that you provided, and waited for 16 min to speak to someone, verify all my info, and then they said have to transfer me back to the fraud department, who said they cannot do anything, and I have to submit NOTARIZED all three social security + Tax Docs/W2 + drivers license. I already verified I made the purchase so it is not fraud, and I spoke with another department and paid off the card in full, so there is no balance left.

My information was stolen and some Apple egift cards were charged. I immediately reported fraud to FNBO, my card was cancelled, and I changed computer and email passwords. I was notified today the I would not be reimbursed because the charges were done using my information. Yes, my information was stolen and the charges were textbook fraud. You apparently don't have reliable fraud protection with FNBO.

How they have an A+ is beyond me. I’m gonna guess their own employees are leaving fake reviews. because there are anything but in A+. I was told that my dispute would be resolved and approved. No problem. Only need to find out now today after two months. It will be declined. You don’t tell him a customer that it will be approved and they are not responsible only to flip and be told something else. I would never recommend them. Stay far far away. I would highly recommend Chase visa. They were excellent to work with and will never use any other company.

I have had this card for about 5 years with a limit of $20,000. Without notice FNBO decreased my limit to $4,000 which hugely impacted my great credit score. I went from mid 700 to 650!!! For no reason! No lates, low balance - great way to appreciate your best customers! This should not be allowed.

This company has extremely poor customer service. I would not recommend this business to anyone. They completely refused to make any effort to correct transaction errors and other issues. They do not care about the customer, only about making sure they do not lose a penny in any way possible. They are ruthless and often rude, even to excellent customers who always pay on time and have been loyal for many years. It is unbelievable how difficult it was for me to get some help when I needed it regarding a major confusion with foreign transaction fees. It was a HORRIBLE experience. I had to close my account and deeply regret doing business with this awful company. It is unethical to say the least!

I lost my FirstBankCard/MGM Rewards credit card. I called on 8/23/25 and reported card lost and was told replacement card was being mailed out. On 9/5/25, I called First BankCard customer service as I had not received replacement card. The entire call/transfers took 31 minutes- in the end I was told they would be sending a replacement via Fedex and I would receive it within 3 business days. On 9/12, I still have not received card. I called again and this time rep told me the replacement card had been mailed out on 8/24/25. The rep blamed the delay on US Mail and said sometimes it takes 30 days for card to get to the customer because to the mail. I questioned the rep as to why when I called on 9/5, that rep never mentioned card had been mailed out on 8/24. The rep suggested I wait a few more days.

I lost 2 credit cards including 1 from FNBO. I called on 8/23/25 and reported the loss and requested a replacement card. I called back on 9/5/25 as I hadn't received a replacement card and the online account still appeared to be active. Both times I called I chose the correct option for lost/stolen card from the menu, despite that both times I had to be transferred to another agent because it didn't take me to the loss department. On both calls while waiting for next agent there is extremely loud static sound along with the music to the point I had to lower the volume all the way. Just noting it as it occurred both times I called. The second agent had to put me on hold multiple times and the timer on my iPhone showed I spent 31 minutes on this call (thus my annoyance with the loud static sound). There was no explanation as to why the first replacement was not processed.

Absolutely terrible services. I had nothing but problems that they couldn't address for simple requests like using it for payments. Then they locked the card and later couldn't unlock it. I just stopped using it because I couldn't. Recently I was notified that I was dropped for non-use. Hello!!! That's just the latest and most egregious interaction. Other cards are much better and have better interest rates. Don't bother with FNBO. NOTHING BUT HEADACHES. 😩

-0 stars. I visited the FNBO branch in Oswego, IL, traveling 50 minutes from Bolingbrook to resolve an issue with my accounts. My experience was highly unsatisfactory. While I was there, I noticed the teller, DJ, greeted other customers warmly after I had arrived, but was rude and unwelcoming towards me. He spoke in a harsh tone and did not ask me to sit down for a lengthy, sensitive conversation. After explaining my situation for 15 minutes, that I was there to confirm my identity for a new card and name change—he went to speak with his manager. He returned and eventually called the fraud department, but not before transferring calls multiple times over a period of two hours.

I had the FNBO elite MGM credit card. I was prompted to move to the iconic card after they sent many emails offering increase their credits if I spent so much in 3 months. It was all lies. You only get the increase if you were not an elite cardholder. I spent the amount waited. Nothing. Then I inquired they said I wasn't a new customer. Now I owe an annual fee and get nothing. Planning on just paying off the card and closing the account. They are the worst bank. I also lodged a complaint with mgm.

We have a credit card through Scheels because we have several kids and it seems like the rewards pay solely for socks. Aside from the rewards through the store, the card itself is a joke. Two times out of ten I can log on to the site, because it's always under construction or has errors of some type. Doesn't let you pay from different accounts, technology is way outdated. It has been an absolute headache to work with. Tax season comes and forget about it. You can't even download the statements. You have to print them and manually insert the information. Still using it because it buys socks. I wish they would improve their site.

I applied for the Amtrak credit card, got approved for a $20,000 limit, and was initially excited because I planned to make a big purchase and pay it off right away. But the second I tried to activate the card, I hit a wall. The activation wouldn’t work, and when I called the number on the back of the card, I was told without a clear reason, that my account was flagged and frozen.

I attempted to open an account with them to receive rebates while traveling to Universal Orlando. I was approved, then received a letter that my account would be closed before I ever received the card. It took a 30+ minute phone call, including talking to a manager, to be told the information I gave them to open the card was fraudulent? This has never happened to me and makes no sense. I have other cards, but was really looking forward to getting discounts on my trip and now that is not possible. I wish Universal would have a contract with a more reliable company.

They stay cutting my card off and leaving me stranded for so called fraudulent activity when there is none. I need this card to work all the time but every time I turn around it's off. I should get a call or something before turns off.

This is a terrible review am about to write They have locked me out of my account. I have $80,000 in it but they won't post the $65,000 check. I have had a change in income but can't post it because it is on my husband's account. I couldn't pay the painter and had to borrow money from the church. I can't pay Charities or reimburse my husband any money either. They want to keep my money and won't let me have access to it. I have tried to reach out to them but it is useless. No money will go in this account anymore and once it is unfrozen I am removing my money and putting it in a bank I can trust & then opening a business account with that bank as well. I have done this review in hopes that it will speed up action on my account.

On December 24, 2024 I had a $50 fraudulent charge on my Arrow Bank Visa thru FNBO. I had never used the card. In May I received a call saying my account balance was late and was asked for a payment. I eventually spoke with the fraudulent claim dept. Over 30 days later I called for the status and was told the $50 had been credited back but my credit score went from 740 to 610. I asked my credit score be returned to 740 and so far I've been told my account was closed. 3 months later and I'm still in the process of getting this corrected. Obviously the communication and services are poor at best. I recommend avoiding FNBO.

I have had the First Bank Credit Card for many years. In April, I was charged $971.00, 298.87 and $217.97 twice and credited once.. I disputed the charges because they were not mine. Two of the charges with Wrestlemania and one charge with Julio. They credited my card BUT since then charges me those 3 charges twice. I have spent multiple hours on the phone and no one knows what to do. I was suppose to receive a call from a supervisor but still haven't received a call.

After 44 years of never being late on a payment, FNBO changed to paperless billing or face a monthly service fee. We never received the very first paperless statement. Although FNBO insists it was sent we never received an email, call, or text that the $41.00 gas card payment was late. Our credit score was 849/850 as we've never been late on any bills. The late payment reported dropped our credit score to 738. I discovered the overdue payment while reviewing my Experian report and immediately called FNBO to make the payment in full. FNBO waived the late fee but refused to remove the negative report. I have written and called to no avail. I recently received a letter from FNBO stating they would not charge the monthly fee for paper statements that I opted back into after the mix-up; however, they refused to remove the negative report. There was a number to call ** to Michelle H. Office of the President, FNBO.

I have two credit card accounts with FNBO. I paid off one completely and the other one still had a balance. I went into a branch office by my business and was told I had to call customer service. That's when the fun began. I don't care if the call goes to a call center but whomever I'm speaking with I expect them to speak clearly in English and understand. I asked if my overpayment of $285.39 just be transferred to my other card and it was easier communicating with my grandson. This is the last bank I would ever consider. How can you just let a customer just walk out of your bank upset. If I was thinking about opening a payroll account that thought is gone. Not one person got up from a desk and there wasn't a person in the bank other than an employee. Great way to do business.

The worst customer care and fraud department I've ever had the displeasure of experiencing. They literally cancelled my entire account without ANY CONTACT. NOTHING. I am in disbelief. Apparently someone called my card in lost/stolen-- it wasn't. Months pass without ANY LETTER OR CALL OR TEXT OR EMAIL OR ANYTHING. NOTHING to indicate ANYTHING was wrong. Then, they close me account! And not only that, they are REFUSING to dispute or reopen it. Disgusting lack of care or customer support. THEY made the mistake here. I have been a loyal customer and used my card frequently. They had NO basis to close the account except for it "being a zero balance and expiring". It literally expired THAT MONTH. But they never SENT ME A NEW ONE. How am I to use a new card when they NEVER SEND or COMMUNICATE it?! Wow. I'm honestly in shock. AVOID THIS AWFUL COMPANY.

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.

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.

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.

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.

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.

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.

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!

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.

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.

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.

I have had their card for many years, and still carry a balance that I am paying down slowly. In the past when I had a question, I would call and speak with someone from the U.S. It was comforting and made me feel connected. Now the call center is in another country. FNBO will still receive my payments, but when it comes to using a card, I will stick to Discover, where I can still talk to an American. Also, I remember phone calls I'd receive about possible fraud and whether a particular purchase was made by me. Those calls haven't happened in a while; my guess is that they aren't doing that anymore. I liked the feel from a long time ago. It's a shame they had to change.

Customers Beware! If you are looking for a loyal, customer-oriented business, please do not expect that from FNBO. Chase and Discover have always taken the lead in making reasonable accommodations to their customers.

If I could give 0 stars, would. Terrible bank to work with. I pulled all my money and closed my credit card from FNBO. Let this be a warning to you all, FNBO is dishonest, stay away. My next step is to go to the state attorney general’s office for fraudulent business practices.

They treat Venmo like a cash advance, with huge fees and immediate interest. No other card I've ever had does this... And they are inflexible. I didn't use Venmo often, but there's was essentially a 60 percent upcharge with just this one bank. No wonder I've never heard of this bank before, because you are awful.

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.