FNBO Reviews

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.

I had this credit card for over 10 years, never missing any payment, constantly paying every two weeks. The card was suddenly placed on hold after scheduling numerous hotel reservations in an extended planned vacation. After discovering the card to be locked, called customer service # on back of card, 5 times. Each time the operators would not answer my inquiry of why the card was locked as they continued to sell me fraud protection services. One operator disconnected the call and reported that I would have to acquire various fraud protection before discussing anything with me. One call back, they refused to answer and disconnected the call. On the final call, I constantly had to interrupt the call taker, while she tried to sell me various things.

Poor security, Poor customer service and very inconvenient, they take way too long to get a new card. They can't even protect my card when purchasing online and even offline, this is very concerning. As a concerned customer please add extra security when, I'm using it for my needs.

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.