FNBO Reviews

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.

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??

FNBO just took over my Flagstar credit card account and within days I needed to call customer service for a "service fee" on my account that I have never had to pay in my entire adult life. The guy who answered in the customer service department was a rude jerk who would not help me and when I asked who else I could talk to about this issue, he told me no one and hung up on me. Absolute worst service I have ever experienced, stay away from this company.

I do not like writing negative reviews, however it is important for anyone thinking to apply for this FNBO card to know how you will be treated. I originally applied for the card in 2021 as a promotion through Station Casinos in Las Vegas and received a $1700.00 credit limit. (You get player points with each purchase) After standard card use, and flawless payment history, my credit limit was raised to $3500.00. Every month I pay triple or more on my payment. I have never been late, never gone over my credit limit, and have never had any suspicious activity. Suddenly, without cause my credit limit was lowered to $1600.00. (at the time my balance was right at $1590, which made it look to the credit bureaus as though I had maxed out my card)

This bank is one of the worst banks for customer service and truthfulness!! In fact, they have a penchant for lying. I have made payments religiously year upon year on my Lincoln Access Rewards Visa, was sideline by cancer and was somewhat behind on my very timely OVERPAYMENTS to keep my card current and active.

I am writing to express my disappointment with the lack of understanding and grasp of the severity of the matter and customer care provided by Fiat Mastercard Bank of Omaha company regarding fraudulent activity related to a car rental service. I agreed to reserve to the price offered to me at the time of reservation online. Despite my efforts to inform the customer service team, I was unable to resolve my issue. I signed up for a compact car rental with full coverage insurance through an online service. Upon arriving in Tulum, Mexico, the rental company refused to provide the car under the agreed-upon terms and wanted to charge additional fees, claiming they did not accept the insurance I had purchased online, putting me on the spot to scam me and take advantage of my situation so they refused to give me the car.

My card was lost while I was away from home. Because of recent events, I don't currently have access to funds other than my credit availability. My dad is seriously ill, and I've been his care advocate through 5 weeks in 2 different ICUs. I explained this to the CSR when I cancelled the card and ordered a replacement. They failed to explain that without paying extra to "expedite" the shipping, there would be no tracking on the card. That was over 2 weeks ago. Still no card, and I'm completely helpless. Customer Service doesn't care, and blames the problem on the USPS.

For one I don't understand all these low ratings! I'm not into reviewing companies but FNBO is awesome! Just a great credit card I had for years with 0% Apr balance transfer for the life of the loan! That's INCREDIBLE!!! Plus a loan with them as well and I don't have one thing bad to say about First National Bank of Omaha!!!

I accidentally stopped my text messages via their texting tool and the banker I talked to on the phone had no clue how I could restart them. The app and the website only provide setup instructions and give no help on how to restart stopped text messages. I've had many problems with this bank ever since Amtrak changed their credit card rewards program to them. Avoid banking with them.

This is the worst company. They will not let you pay but by your credit card so that they can take money out of your account without your authorization. This has happen twice to me. Then they try to say I did it and no way they could of. Wrong. When you give them all your info they can recharge. They will not take payments by mail then send you a email they are going to turn you into the creditors because they will not accept your payments. Oh and might I add the crappy email they sent on turning me in for money I sent through mail and they haven't credited yet us not a good email to respond back to. They force you to speak with them only to get nowhere.

I have a zero balance on my card, which I just paid off, with 100% payment record across the board, 775 Experian credit score, and I just received a letter stating that the apr charge will now be 30.99% as starting June 1st.. I had to laugh. They think they are the only game in town. Just really know what you are getting into. This bank is a joke and by their charges, I’m guessing they could be in trouble with their credit card business and trying to recover losses. Whatever the situation, I would stay clear of this mess. I owe them nothing, and my card is locked. Will never use again. Just giving anyone who reads this a heads up. I will upload the letter received in my next review.

I have a 700 credit score. FNBO (Blains Farm and Fleet Mastercard) gave me a 4700 initial credit limit. Even though I have good credit and made every payment on time, FNBO, without notice lowered my credit limit to 2300. Fast forward a year later, without notice, now I have a $1000 credit limit. I have several credit cards, one with a $6k limit, and always pay on time. I called them and asked them to raise my credit limit back and they stated "we don't do that", I will be paying them off and leave a zero balance. Not worth the headache!

I thought I found a good card. And all was well. I was using it to buy Fords. Then paying off the balance in 2 months. Did this a few times last year. I recently scheduled a payment of approximately $1000. And for some reason it didn't process. And that was the only balance left. They never sent a notice or anything. They just knocked my credit limit down to $1000 and charged a late fee. Not very nice about it either.

I was initially happy to find a local bank that seemed like a member/customer driven bank. 1st red flag was customer service very rude. I called to ask about fees and to ask why FNBO was stealing money from my account the employee was so condescending and basically told me it my fault so she wouldn't return the money they stole. I mean fees. Closing my account because I get charged $5 to move money from savings to checking. They call it excessive withdrawals. This is strange because I'm not withdrawals Funds I'm transferring funds INTERNATIONALLY and this scab of a bank wants to hit me with penalties.

My recent experience is with an FNBO Mastercard through Amtrak. Several weeks ago two businesses in Knoxville, TN charged a total of nearly $5,500 to my credit card. My low rating has to do with the fact that it wasn't until I checked my statement, over one week later, that I discovered the two fraudulent charges. At no time did these transactions raise a red flag and result in my being notified of potential fraud from FNBO. The charges were totally out of character from my normal spending habits, not to mention that it was in a state 800 miles away.

I've had the card a few years. It's been paid off $0 balance for a while. They have no special offers so I've had no reason to use it. I use other cards that offer points or cash-back. Out of the blue, they send a letter and close the account. My credit score is over 700, never had a late payment - ever. Other cards I have are consistently raising my credit limits - my American Express is approaching $30,000 and so is another card. We all know Amex is the most picky of the cards and they just don't raise your limit for nothing. It's the result of a perfect 30 year credit history with them. I wish I had never done business with this ignorant corporation. They appear to think they are heading off a problem that never has and never will happen. Now I'm going to get a points deduction on my credit score for no reason. Thanks for nothing FNBO.