FNBO Reviews

I am extremely disappointed with this credit card company's handling of a fraud claim. Over $3,500 in fraudulent charges were made on my account. Despite reporting the fraud and disputing the charges, I was ultimately told that because I did not report my card as lost or stolen before the transactions occurred, I would be held responsible for the charges.

Horrible experience unlike any other credit card issuer. Frequently drastically reduces available credit despite account in very good standing. Wish I never applied.

A company charged my EXPIRED debit card today for almost $300! The card has been expired for 2 months! This is a company I rarely use, they didn’t force it through, I didn’t have other cards on file, and yes, I forgot to take my card off their file. I went to my bank to get answers and they said, “that’s not right” and “sorry, we can’t help, try calling the company that charged you.” I called card services and they told me, “It’s the same number, just the wrong expiration date.” What? So, what’s going to stop anyone who has my card on file to charge it even after expired?? No answers, just frustration on my part. Why didn’t fraud services catch this?? I count on my bank being my partner but I guess that’s too much for FNBO. I did call the company that charged my expired debit card, and they refunded me and has no idea why my expired card went through. They were extremely apologetic made me whole.

I ask for a simple replacement card over 3 weeks ago. After a couple of weeks without receiving the card I call customer service to check on status. Was told that 2 weeks was not near long enough to be concerned about a card not arriving yet. Plus the manner in which it was mailed did not allow for tracking the shipment anyway. What company in today's fraud rich environment ships a credit card with no ability to track?

Poor and slow payment process. 40 yrs of perfect credit record. And because of my auto payment didn't process a 16.00 payment because of the lesser amount it was. They reported me to credit bureau. Cards were held for yrs. Cut in two return. Such a cheap shot to a person at 71 yrs. Drop my credit score by 40 points. I have always prided myself on my perfect credit.

This is the worst card you can get. Had it for 5 years. Never been late or over the limits. Dropped my credit limits 5 times down to 1400$. I cut up the card goodbye.

I paid my last statement with FNBO last month full amount my new bill for this month they have charged me interest when I called. They said it was from two months ago, therefore I will pay the entire bill again, which is a sizable amount and, I am never using this card again. This is not acceptable as I am paying my bill entirely; therefore, I should not be charged any interest rates at over 25%.

This bank keeps your money with no any reasonable explanation, and this happens for a very long time. If you make a deposit they put “your money" on hold for weeks. Nobody inside the bank can give you any explanation about your money. Nobody. The manager in South Omaha said that the “hold” just can be released by a department they can’t reach except by email. They don’t that department’s phone numbers, and they don’t answer emails. Is this a right way to make business? Leave the clients without her own money for weeks and weeks without any reason? Explanation? This is stealing your money. Take control of your money.

I got a universal credit card, made purchase on Universal's official website for hotel and park tickets. NEVER got the points, called MULTIPLE times, got transferred between customer service and reward dept, NO ONE can help. Terrible bank to have a card with.

I paid them off in full, and canceled the card. They claim they sent me e/notice of a $31.00 interest charge after the balance was zeroed out. This is BS. Never heard from them again, until I pulled my credit report for a refi and found out they reported a charge-off to the credit bureaus, significantly effecting my credit rating. I never received their notice of the interest charge. Still, I called their customer service center and paid the charge off. They still REFUSED to remove the charge off. This company screws its customers. This customer is poison to its customers. Avoid them at all cost. Zero stars. The public needs legislative protection from credit card banks and companies exactly like FNB Omaha. I'm so sorry that I did any business with them.

My review is not about the bank itself but their lack of ability to keep their ATM up and working. It seems that they really don't care if it's working or not. I was told by an FNBO employee that the care and maintenance of the atms are basically contracted. Well maybe they need to speak to this person or business so they get the job done or maybe they need to find someone more reliable who has time to actually maybe "work'. Seems that the past 3-4 months the ATM at fnbo on Stonybrook in millard has had more down time than necessary. I chose this bank and location for the convenience.. Seems to me they don't mind making it inconvenient. Getting the feeling they are lacking in customer service when they don't keep things in working order.

I had applied for an FNB credit card back in October 2024. I used it once, and they canceled it in November 2025 because I didn’t use it. So I applied for another one in December 2025 and was declined because I had a duplicate account. I tried again because customer service told me to in January 2026, and was declined again because I had a duplicate account. So I called customer service, and they said that because the account was open less than 18 months ago, I was going to get declined on getting a new card. Which makes no sense because I don’t have an account with them because I don’t have a credit card, but now you’re not gonna let me reapply because you say I have an account even though I can’t use the account. Don’t ever get a card with them.

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.

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.