FNBO Reviews

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.

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.

Opened a HELOC with this company many years back. They decided to close the account with no forewarning. Obviously this effected my credit and destroyed the chance at a closing on a home. Spoke with the branch manager, Ashley ** and was told, nothing will be done to remedy the situation. Recommend using another bank.

If I could. I will give them a zero for rating. Worst credit I have ever experienced. Last year, I opened a FNBO Amtrak rewards credit card without realizing there was a membership fee associated with it. When I contacted the credit card company at that time, they informed me that it was too late to cancel the card, and I would still be required to pay the fee even if I canceled the card. They advised me that I could opt out of renewing the membership the following year.

I've had this card for many years. They lowered my credit limit a few years into having the card and always paying my payments on time. They then raised my limit a little while after that. I get a letter in the mail today saying they closed my account. I called and they said it "could be due to my Experian score," which is perfectly fine may I add. Couldn't provide me with any actual information as to why it was closed other than a "could be." I then stated that I have multiple cards with high credit limits and no other card has given me any issues but this one. All of my other cards are raising my limits constantly, not closing my accounts.

My realtor suggested I open my mortgage with FNBO; I subsequently also opened a large savings account, checking and a home equity. My credit was great, and they were happy to take my money; I soon learned that unless you have a savings or checking with them, you cannot pay online from another bank (I opened billing accounts with ENT credit union to take advantage of great interest rates and customer service). So I would either mail a payment, not trusting FNBO to show the actual date of receipt, or walk the payment in the door. If I want to pay more monthly to reduce the principal, it takes forever for the teller to process the payment. Half the time a teller does it one way, and half the time the teller has another method. They study the computer screen as if you might be a criminal trying to pay someone else's mortgage (oh yes, we all do that...What??). If you try to pay without their coupon, watch out. You are in for a ten minute wait.

Highly recommend if you're thinking of using this company for credit you don't. They recently lowered my credit limit for absolutely no reason at all. I have for over 20 years always paid my bills and never missed a payment, as we all know credit can fluctuate very fast so because my FICO score was lowered because of some credit purchases I recently made.

Paid 1/3 of my total balance, $1500, only to have them lower my credit limit by exactly that amount. Paid every month for years and they have no reason. I'll just cancel my card and sue. Any human on the phone was rude and completely useless.

I'm shocked to see FNBO's overall rating on this site as I've had nothing but excellent experiences banking with them. They are my ONLY financial institution and I have been with them since 2015. All my banking needs are handled professionally, efficiently, and without error. In addition, they recently changed the online banking site to be much more user friendly. I love these guys!

I paid my balance off November 15, 2023. I just received a bill for $104.00 on December 23, 2023. The customer service agent gave me a spiel about a grace period. I call **. I closed my account out immediately after I saw my $14000 plus payment clear. And when I went to close my account, the agent asked me why. I stated I did not need the account. She then chuckled. Buyer beware. If you get a card, use a more reputable organization. The Costco Visa is 1000 times more reputable and the customer service is excellent. FNBO is a scam.

Immediately upon receiving my card they cut my credit limit in half, a clear case of bait and switch. Then, I accidentally overpaid my bill and even though they owed me money, they were declining transactions and showed me over my credit limit. It took over an hour on the phone with them to close the account. I will not be back.

I was notified by the fraud dept, I really don't know why. I tried to call them back on the number I was given and for about an hour I was being someone will answer in 1-2 minutes. I never did get in touch with them. My card seems to be unusable and I don't know why and I can not get in touch. If I try other #'s they want to transfer me to the fraud division, which does not answer. I would like to cancel the card, now as I feel I have been treated badly.

I have very good credit with high limits. I got the FNBO card to take advantage of 5.99% financing for balance transfers with no time limit. I transferred $9k and I make my payments. They reduce my available credit every 3-4 months now because I am utilizing my initial offer and haven’t paid my entire balance. I don’t use this card for any purchases and have only utilized it for the balance transfer intro APR. This company is absolutely terrible and I would not recommend it to my enemies. Every time they lower my available credit, my credit score dips a few points for a month or two. This kind of lending should be illegal and I hope they get hit with a class action lawsuit or close their doors for good. DON’T GET ANY CREDIT PRODUCT FROM THESE CROOKS!!!

I did a cash advance and some charging the first month I had their stupid card. For some reason a checking account deposit held up my CC payment and they locked my card. They even dropped my score before I was able to pay. These people are real gally to be shutting off my credit.

We got the FNBO Credit card during shopping at Sheels in CS. The card word fine and the online account worked most of the time. We did get the technical issues try later message from time to time. Then we had a fraud deduction for about $64.00. We called the fraud number and reported it. During the authentication it turned out that the maiden name was misspelled. The send me a one time verification code and all was good. They told me to call back after the fraud transaction was moved from pending to posted. Called again after it was posted, the same thing happen with the maiden name being incorrect. This time they told me to go to any bank with an ID like DL or Passport and let them call the number on the card to confirm that is was me. I went to my Bank in CS and they laughed at me, sounds like a scam to me. So, they didn't call and got in the tree and and and...I do understand.

I request FNBO CEO to look in this matters. Because after this problem I was looking review for this FNBO card Customer review, it is very bad. They have bad experience. I request FNBO CEO to call me.

So, FNBO gave me a credit card. We were both okay for a few years. Then I charged a trip to Mexico on another card (who is also going to get a bad review). That obviously upped my utilization rate, so the other card cut my credit limit down - so my score went even lower. Now, I have an EXCELLENT job and an EXCELLENT payment history. I pay more than the minimum EVERY month on all my cards that have balances. Well, I locked a bunch of my cards to have them sit a bit while I pay others off. One of those that I locked was FNBO. So, THEY decide to lower my credit limit, even though I had the card locked, wasn't using it, and had always paid them on time and more than the minimum when I had a balance.

They were my first credit card. I started with a $500 limit. I just wanted to build my credit. I started making more money and the limit went to $1k. During the height of the pandemic 2020, I paid the balance in full, but somehow they rolled over interest from the previous month's balance. The amount was less than 3$ and went unpaid inadvertantly. They cut my credit limit in half back to $500. I now earn almost $100k a year, with a $500 limit, after being with them for 6 years. Today I was approved for a much larger amount, with a bigger bank, who offers better cash back. To hell with FNBO. Who do they think they are?

I opened a card with them (Amtrak). First, like the other reviews say, they send cards without activation requirement which makes me not comfy because someone else can steal the envelope and abuse it and they would not honor their zero liability policy, this is based on my personal experience. Second, their customer service seems to me like they are more volunteers than professionals, just compare it with the Big banks. Anyway, I tried to dispute a charge and they denied it based on non-sense. I DO NOT TRUST THEM AT ALL AND I WISH I READ THESE REVIEWS BEFORE.

So, I saw fraudulent activity on my card one night as a pending charge. I immediately called customer service to report it and was told a new card would be in the mail and I should receive it in about 7-10 days. The card shows up and not only does the paper have my FULL credit card number typed out on it but there are no labels on the card indicating they need to be activated.

Run! This is the worst bank I have ever done any business with. I signed up for the World Card from Fran's Farm and Fleet and received approval for a $10.000 credit limit as my credit at the time was doing well. Now I spent about 4000 dollars on the card from some some Christmas gifts and a few necessities. They completely ruined my credit by changing my limit without any notice or reason to right about the amount I had spent on the card. Then that same month they also processed 2 of the same payment, same transaction number and everything, which was had a completely different format from the prior payments on my bank statement, my primary bank contacted me to let me know that they had reversed the charges as it was a fraud attempt.

This bank has the worst payment system, ever. For the second month in a row, I have made my payment on a personal loan early just in case I did not have enough money in my account on the due date. The FNBO website says if you make a payment early outside a 3-day window of the due date, they will not subtract another payment. They lie. They have put me in overdraft with my home bank twice by doing this.

I have had a BP Visa account for a long time. FNBO bought the account some time ago. Their technology is clunky and they are a pain to work with. More recently, they lowered my credit line which I have had for many years, causing me issues with a planned purchase. While not necessarily a fan of Synchrony Bank, I have a new appreciation after dealing with FNBO. I would not recommend them.

If I could give them a negative star review, I would. Deceptive and damaging practices and horrible--make that NO customer service. I started with a credit limit of $3900 and a 0% introductory offer. I paid at least the minimum every month on time. Within 3 months, they lowered my credit limit to $2950! No explanation. Obviously my credit score took a ding as I went from using about 60% of my credit on this card to almost 90% due to the lower limit. The rest of my credit was good, so it was a relatively minor ding, but still annoying. When they dropped my credit limit again within a year (to $2250) I messaged customer service to complain and ask why, and got a response that they had mailed me a letter with the reason for the change. (Why have online messaging if you're not going to give any useful information online?)

I have been trying for months to work with FNBO on a dispute case. Every time I call in I am transferred a couple times and then told I need to speak with another manager or department. I am then told I can wait for them to call me back as I have been put on a manager queue. How long is that queue or are there no managers there to call back or to respond to a customer? Another day turns into 2 weeks and still no call back. So I call again every day for a week and still I am on the queue for a manager. Never shopping with these cards again...sorry Scheels and Runnings but I am not using your store cards again. Canceled.

I don't know about their bank activity. I express my On-line experience with this credit card company. Be very careful with this company. Theirs's website is very confusing. I opened business account at Community bank and I took convenient offer to get credit card. Surprise 1 it's through FNBO. Then "surprises" started; on the web you can make One Time Payments, for automated payment have to call in. If you think that Reacquiring Payments is for setting up payments, you will be surprised. Reacquiring Payments, in their understanding, means It pays off entire balance of your credit card. It takes 10 business days to reverse payments, meanwhile I have to pay $36 overdraft fees every day. I had this card for 6 month, 3 months I used it. If you want to contact FNBO go to Treasury Support tab that their name for "Contact Us" tab. I am cancelling it now. Switching to another bank before it's too late.

Almost every time I try to access the website there is an error logging in. Sometimes it is an authentication error, other times they are server errors 500, 404, etc. Sometimes the website is down for DAYS at a time. Completely locked out of my account. Can't see any transactions, balance, and worst make a payment. And then payments can take 4 days to go through. So if you have a due date make sure you give yourself a few WEEKS to pay it because the website most likely won't work in time. Support team is useless as always not worth even contacting. Of course, nothing will be done about it so why am I writing this?

I opened a checking, account, and credit card as part of a promotion. The credit card application got declined because they couldn't verify my identity. I have opened several credit cards, checking accounts with various financial institutions over the years and this was the first time I ran into something like this. When I called to ask what they needed to verify my identity, they didn't have answer. They just wanted me to apply again, and get another credit enquiry. This is a terrible institution and I will be closing all my accounts with them, and stay away from them.

Every time I make a large purchase they lower my lit to a few hundred bucks of what I owe them, making me using over 90% of my available credit. I’ve had my score drop dramatically because of their ridiculous games.

I recently applied for a co-branded Visa Credit Card for Scheel’s Sporting Goods. I was contacted by FNBO requesting additional information to confirm my identity even though I already have two other cards issued by them. The forms of ID they requested were:

I received a packet in the mail from FNBO and was considering applying for their Visa credit card until I read all the horror story reviews on this site concerning the bank lowering credit lines for no reason. My score is 800+ and I pay my cards in full every month, I'm sure the same thing would happen to me had I gone ahead and gotten a card. Thanks again to all who took time to review and saved me and others the pain and suffering.

Run as fast as you can!! This bank is the biggest fraud I've ever done business with! Offered me a credit limit on the Evergreen card of $13,100 with zero interest for a year. I charged a little over $7k, put half the cost of my Generac generator on this account and paid the balance down to under $3700 in a few months. These jokers slashed my credit line to $4k with no warning and for no reason! I was steaming! I called to ask why and all the rep could tell me was a letter was mailed out the same day I called, which was 2 days ago. I paid the entire balance and shut this bait and switch card down! My credit score dropped 30 points points!!! FNBO you will never have the chance to play with my credit again! This is horrible how you reel people in with your high limits then penalize those of us that are responsible and pay on time and more than the minimum! You are disgusting, but thank God for American Express! You lost a good one! Bye FNBO. You can take your card and shove it! Put your Nike's on and run from this bank!

FNBO bought our local bank a month ago. So far, they debited me $235 for a $35 check and just said they would get around to it, didn't let me add one savings account to my online ID because they miscategorized me as a "signer" instead of an "owner" (it has always been a joint account with my husband), charged me the annual safe deposit box fee in December that I paid last May, and changed the address on a billpay vendor to the wrong state. Stay away from these people if you don't want to spend hours trying to get their screwups fixed!

These people from the company conduct unethical business activities. They grant you credit then later flocks it with nonsense excuses. What they request was fulfill but yet they are still in denial! Don’t waste your time and mess up credit by applying with their bank. My score was 848 and they just can’t believe it. I’m sure it’s better than most of the staff there that’s questioning me!

I got approved for a $25,000 credit line and it was cut to $7,000 without any warning! I am waiting on an explanation to why, as the agent couldn’t explain it! But now I realized that this is a common practice by FNBO, Keep in mind I have 830 credit limit, never had a late payment!

Got the FNBO getaway card in September and closed the card immediately!! They said I was under a fraud investigation for no reason!! I went out of town and next thing you know my card was declining!! Come to find out they had me under investigation because they said that I didn't have a phone number on file!! Which is crazy because on your account they give you the option of reaching you thru telephone number or email!! I chose to be contacted thru email and that's a problem!! I always paid my credit card on time and never gave 'em a reason of suspicion!! So tried to rectify the problem and the fraud department says that I have to show documents to a local bank to verify it's me!! I said no way!! And I cancelled that card asap!! Never in my life have I got disrespected by a bank like this before!! I REPEAT DO NOT DO BUSINESS WITH FNBO!! PERIOD!!

Just received a notice that my credit limit was cut in half from what I originally signed up for. Obviously affecting my credit in a negative way. I am less than happy Especially after just paying $3000 on the card a month ago. They will rope you in with a decent credit limit. Promise you everything. Then when you go to use the card A few months in they will cut your credit limit down by roughly 50 to 60% for no real reason. If you want to deal with a good company do not use them, I will be paying off my card immediately, and closing the account and will warn every person I talk to about this. Very crappy business practice, whoever’s in charge at this company needs a new job. Too bad I could not give zero stars.

I just paid my entire statement balance. I am using this card now to pay off our many medical bills that were acquired this year. I logged into my account this morning and my credit limit was reduced by more than 50%. I pay my balance each month, and find this extremely disappointing. With the new charges, it looks like I am maxed out because of the limits I have never had a credit card company do this to me before, lower a limit without warning. The BP Visa should have stayed with Synchrony and never switched to FNBO. I will be closing my account. I do not recommend this credit card or bank.

Unfortunately this really happened to me. I've had this card for 16 years and have made very sure not to be late on it, even when times were extremely tough - like after my house flooded in the "Great Flood of 2016" and I had to max out all my credit cards to start work on my house since I couldn't get money from my insurance company as quickly as they promised. I had a relatively small limit, about $3500, but the minute I sold my house I made a $1500 payment on this card to get the balance down. My reward? They DROPPED my limit to $1750.

With a perfect FICO scores of 800+, using card monthly and paying it off monthly - they sent me a letter one day of lowering my limit from 15,000 to $500. When I called in to ask why - they came up with bogus answer's claiming it's not their fault, but it is credit agencies who sent a signal to them. Then while I was on the phone with supervisor I pulled all 3 my credit reports, and found that my scores are still 800+, never late, never failed anything, I simply ask them again "what is a real reason behind it", they still could not answer that. So I had to close it and promise - I will never ever use this bank again and I do recommend you the same, especially if you have good or excellent credit.

Was initially approved for 10k limit which was amazing for my credit. Most I ever spent on the card was $1200. Paid everything off, every month. Got an alert from experience that my credit was decreased to $500. Not even Capital One is this atrocious in their credit practices. Stay away!

We have had a credit card with FNBO for years and not once were we late on a payment nor had any issue. We called to request a rate reduction because we had never been late on a payment. We were denied. So decided to cancel the card. Called in to get a pay off then we paid it off right then and there to receive a balance of $58.00 on the following month’s statement so then be charge $80.00 in interest!!!! We were floored that that could even be legal to do. We called and complained.. Waited an hour and a half to speak to a manager for him to basically say he isn’t waiving anything and that we owed that much. Very very disappointed and we will never open any account with them again,

After only having them for seven or eight months they decreased my credit limit from $10,000-$550. Without any warning while I had a $488 balance on it which makes it basically look like I am maxing out the credit limit. Practically destroying my credit score. For no reason at all. Always paid on time. Then when I called the bank they tell me that this was done because of a significant change in my credit report. Which was a lie. Nothing has changed significantly from the time I applied for their credit card until the time they decided to basically take the entire limit.

Do not, I repeat, DO NOT, get a credit card with this bank. I wish I would have saw the reviews here before I got 3 credit cards with FNBO. It was nice, at first, they give high limits and o% promotional offers. However, even with on time payments, even with high credit score, even with excellent credit reports, even with using the card from time to time, they will SUBSTANTIALLY reduce your limit without warning.

Paid court fee. Did not get what I paid for. Court did not refund me but did refund my other bank card. This bank won't refund it. They rely on a script that semantically does not pertain. I did not cancel my service. Well if you did not get what you paid for previously explained that is the same thing as cancel or means I have rights which I do. I am done here and want my money back. The service is horrible. No more Court is not even challenging it and they won't pay me the money for service never received clearly explained.

I've read a lot of other reviews about FNBO today, and to my surprise they're all the same. FNBO is probably the worst bank, especially when it comes to credit. I've been a loyal customer and I've always paid my balance or minimum ON TIME. I've even recently received an increase in my credit limit. But, today I found out that they refused to take a payment from my bank, claiming that the account didn't exist, even though I've used it for every other bill I've had to pay. And yes, we compared routing and account numbers and they checked out. Then I come to find out they decreased my credit limit and that I can request an increase in four months. Out of every one of my credit cards that I have, SCHEELS Visa is by far the worst due to FNBO. I will be closing this account as soon as I pay off the remainder of my balance. I don't need the headache.

My BP credit card recently switched to the FNBO bank and within a month of switching I noticed problems. Extra charges that were not on my original credit card from BP (I think it was Synchrony Bank) and I paid this card off in full every month. When I came across the extra charges, I canceled the card. How is it that I make the same charges and get billed crazy fees when this new bank takes over?! Horrible credit card and they lost a good customer. Oh well! I’m still waiting for a supervisor to return my call. I’m just paying the charges and never want to deal with them again. Warning to others to check your statements for extra charges.

I wrote a nice review but was not approved, but is ok, I just want to said that FNBO is a excellent bank, my husband told me Walter A. Stamford CT, and was true, thank you everyone, good job. Is a team is not only one person, so I said from the PRESIDENT that he have a good team working, that's all. Good webpage and nice customer service, have a excellent rest of the days for every one including Consumer affairs, nice work, excellent 5* too.

Hi everyone inside FNBO bank, my friend Walter A recommend me this bank and everything is easy, customer service amazing, line of credit's very good, I don't understand 1 star reviews? Really I save a lot money with the promotional transfers, so I am very happy, to get a $20,000 in discover card take me 10 years. With FNBO 1 day!!! So guys just pay on time, never a late payment is a good deal. Thanks to the president of the bank and all the employees. Good work.

This is probably the worst bank I've had dealings with! I have over 15 credit cards and I never have any issues, they have good apps and customer service. This bank has nothing! There's no reason to open an account with them as they really provide no value to the customer, their app sucks, and their customer service is probably some of the worst I've experienced in any company I've ever had to call. Stay Away! There's way better cards out there.

I was approved for 5,400. I transferred a $3500 balance. I've been making 2 payments a month. Now after 5 months they decide to decrease my credit limit to 3k which affected and lower my credit to 33pts. I don't even use this credit card. I only transferred a balance and pay it down every month twice a month to pay it faster. When I called and asked why it was decreased all she said was "due to suspicious activity in my FICO"? Not only she wasn't professional but had absolutely no concrete reason. Now my credit score is severely affected and shows I am at 95% usage on this credit card. Absolutely unacceptable!

I started out with a credit line of about 15000. Never missed a payment then out of the blue they cut it down to 8700 so I didn't use the card that much for about a year. Now they've just shut my account for no good reason. I have good credit and I have never missed a payment. This bank is beyond bad. This credit card sucks.

I applied for a credit card through a different company in a different state and received a form rejection notice from FNBO, First National Bank of Omaha. I am 79 years old, a retired public official with excellent credit, and have never been rejected for credit. I had never heard of or dealt with FNBO. I will never deal with them again. In my opinion and experience I found FNBO credit staff to be rude, unhelpful and even deceitful.

Company rejected my credit card application due to fraud but later offered me a secured card and my credit is too good for that. My score is 676 with two-plus years in credit history… I don’t like secured cards, never wanted that I was pre-qualify for a evergreen Visa card few months with 11K credit limit FBNO Denied due to “possible fraud application“ and put a hard inquiry on my credit…

I received a pre-approved offer. "Select few" I called customer service 3 times with questions. Never finished the application. After reading these reviews I'm so glad I hung up. What kind of a company reduces credit limit? That's so shady. WHEN YOU'RE APPROVED FOR AN AMOUNT THAT AMOUNT DOES NOT CHANGE! That's so unbelievable to me. Disgusting. I would NEVER do business with a company like that. I just shredded the letter. Thank you all for posting your reviews.

I took out an FNBO credit card through Northern Tool at the end of 2021. My wife used it to make some online purchases. The card got saved into her Google account. In early January, 2022 I got a call from FNBO asking if I was making purchases of any Google products to which I told her no after asking my wife. The FNBO representative only said there were more than a few. When my January statement came there were upwards of 120 Google charges for over $1800. I call the fraud department twice and they denied my claim citing proof that I participated in the transaction. The only other possibility I could come up with was that my 3 year old must have hit every download button he found while he was on the computer in December before we noticed on our January statement.

I filled out an application for a FNBO credit card and was rejected due to "identifying information does not verify". I have near-perfect credit (820'). Their customer service is bad and uncaring. Why do business with someone that does not want it? I have no idea how they make money. I have other cards and don't need this one, I should have done more research before even applying but the bonus and cashback lured me in. Stay away.

I requested to our mortgage lender (FNBO) to remove PMI, based on the value of the home. I ordered an appraisal on 2/8/22. Between the date of ordering and 3/15/22, I followed up 6 times. Both by phone and email. The person in charge of this process at the bank, First National Bank of Omaha (FNBO), is named Miranda Nightengale. She responded each time that she only orders the appraisal, and has no control. After trying to get a resolution for 5 weeks, she told me “it’s not really a problem because if it’s approved, we’ll retro this to when you asked, and credit the PMI back.”

Was approved for business credit card for 15k. I have very good personal credit and business credit. My account was always paid on time. Next thing I know my credit limit was decreased to 3k. I called and spoke to a very rude woman who told me they did not like the way a company Fund & Grow did business so, they reduced my credit line. She didn't make any sense. I paid off any outstanding balance while on the phone with her and closed the account. As a business owner if my employee had spoke to a customer like she spoke to me they would be TERMINATED!!!! Also, it lets me know a lot about the company and what they think of their customers. ANY GOOD BUSINESS KNOWS YOUR EMPLOYEE'S ATTITUDE IS A REFLECTION OF YOUR COMPANY VALUES!!!!

It is certainly a Trap and a well made Trap. FNBO gave me an over $10K Credit line. Used only about 30% of it over 5+ months and then out of the blue they cut my Credit by 70% to just within a hair of the balance pending. They blamed FICO for the credit line change when in fact nothing has changed on my credit score or usage. This is more than likely a bait and switch trick to get people signed up then hurt their Credit Scores to prevent them from leaving. I will certainly pay it off and never use it again. Even the so called Ford Perks of $200+ was wiped out. Very Highly Dishonest.

Essentially my wife opened this account and recently changed it to auto-pay, and on the first deduction they pulled 2 payments at one time. Instead of immediately correcting their mistake we are having to jump thru hoops to get the money back and now they want us to wait an additional 10 days for the money due to their error! I’m thinking now this loan through this company was a mistake.

I was pre-screened for their MasterCard, but when I applied with a 'very good' rating, which became just 'good' after the application, I was declined. First of all, unlike other banks, they pull a hard inquiry to see whether you're pre-approved, which hurts your credit score. Secondly, they do not give you a response immediately. Thirdly, when they eventually send you an email, instead of giving you the decision, it redirects you to their website which can't find your application (nor can their automated phone assistant do the trick), so you have to call their customer service to find out the response. The worst experience ever! So, if you receive a letter from FNBO, think twice before applying. Don't hurt your score for nothing! All their systems (including pre-screening and status checks, whether via the internet or phone) appear to be completely out of wack!

This bank is keep lowering my credit limit, and I don't even use the card. Never been late with payments. Almost every 6 months they lowering my credit limit close to the balance. Therefore my credit score is dropping because it shows 90% of credit utilization. It is called "Chasing the Balance". If they would not do what they doing with my credit utilization would be below 50% now with this bank.

I applied for their personal credit card on 1/17/22 and was approved for $14,000... Was informed I would receive my card in 7-10 Days. 2/03 I called due to a fraud letter... I verified with them only to get another fraud letter....Smdh....Called again on 3/04 to find out what was the problem now only to discover they failed to push 1 button to clear this mess up...Will Fed Ex card which is to arrive on 3/09... Not the punch line yet.... I have the Fed Ex app which tracks your packages only to get another message saying sender has put a stop on my card now a 3rd time....I will be calling in the morning to tell them to keep it...I have more than enough credit cards....They are the worse company to date I have encountered....

I applied for a Ford credit card after they had sent me many requests to do so since I bought my Ford Ranger. FNBO sent me a letter back wanting a copy of my driver's license, W-2's for two years, and a copy of my social security card. I have had excellent credit and have not been asked for this in forty years. I own my own home and have paid for my new Ford Truck, and I am debt free. I called them and told them to withdraw this application because I am not about to send all of this. Frankly I think this is somewhat extreme. I have gotten credit cards easily over the years and never had this happen. My credit rating is excellent and my integrity therefore self evident. FNBO customer service was very rude and unconcerned. This bank needs to review a lot of its management policies. I can't be the only one that feels this way.

I have had my card approximately 6 months. I was given a $15,000 limit and initially only used it at a single location. Always made large payments and kept it paid off. About 2 months ago I used it on several transactions and nearly used the limit. However, I have never once missed a payment and always pay far more than the minimum. Today I received a letter saying that because the account is new and I have a high utilization ratio, they reduced it by a few thousand.

Had 23900 credit limits. They reduce my line on my card to 9600 close to my balance of 9100. Now it drop my score 75 points without notice. Never miss a payment and my score was a 780. I am paying them off and never using them again. If you cherish your credit stay away from this credit company. I seen so many review like this but ignore the warning. Now it seem like I’m at 98% Usage on my limit. FNBO thanks for ruining my credit.

I am so Happy with my promotional credit cards, personal and business also, simple faster, I have a 778 FICO and I am moving all my checking and savings to FNBO, Customer service easy to talk and find answers, I am thinking Refi my home. I recommend to my wife and one friend and they are really happier too. So thanks FNBO. Let's make more deals! Walter **

I've been a member for about 4 years and had not missed a payment until recently I forgot to make my payment. When I looked a few days later and seen I didn't make my payment they dropped my credit limit to the balance owed leaving nothing to my credit limit but $100 on top of my balance owed leaving MY account looking like I've charged over 50% of my account. Mind you I pay more than minimum due and most times paying twice a month. I called and asked to excuse my overlook and bring my credit limit back up, they refused. But they did eliminate the late charge. I rather pay the late charge and have my credit limit back. I'm canceling this account as soon as it's paid off. They make your credit report look horrible with 1 missed payment. Capital One is the best credit card company. I've never had an issue and they consistently increase my credit limit and not decrease.

Got an offer in the mail to apply for FNBO credit card. Applied and got the card. Took advantage of a no interest balance transfer promotion. Paid half of the balance transfer off. Continued to make monthly payments. Monthly amount 40.00. I paid a 150.00 a month. 4 months later they have closed my account. This is absurd. You pay triple payments and take advantage of a 0 interest offer. Want to close your account for doing an awesome job on paying your account. Tried to talked to someone. All they can tell you is your credit score has dropped. Not looking how well your payments made. People steer clear of this bank. They will offer promos, you do an outstanding job making payments. Then close your account. Customer service is horrible. Never apply for an FNBO card!

First National Bank of Omaha (FNBO) is the worst bank in America. After they refused to honor a promotion that they advertised, I filed a complaint with the Office of the Nebraska Attorney General and posted the experience on Twitter. FNBO responded by blocking me from their Twitter account. The craziness didn't end there. FNBO decided to take it a step further by reducing my credit line from 15K to 1K. This was clearly getting personal, so I just closed the account. This entire episode was regarding a $200.00 account opening bonus that they refused to honor. The people operating this bank act like scolded children. Fellow consumers, please think twice about using a financial institution that acts in this manner. If they act like this, do you really want them handling your money?

I just received one of those "select few" getting invited to apply for this credit card. They offer zero percent intro APR on purchases and balance transfers until April 2023! Pretty impressive right? No annual fee. So I figured I transfer my balance from my Discover card to this card. Boy am I glad I read the recent reviews for this card not only on this site but on other sites as well and it's pretty much the same complaint over and over again. If you get this offer in the mail, dump it quickly!

For some reason this credit card has been hacked numerous times, without me losing my card. FNBO has replaced the card 3 times in the past year! I check my account daily for fraudulent transactions now - most recently I couldn't reconcile the online record with my accounting software. I'd reported a small fraudulent transaction and found that their "resolution" was to enter an extra charge for the dollar amount - they forgot to put a (-) in front of the amount, so now I was charged twice. When I reported this error to them, their "correction" was to duplicate the error, so now I was charged THREE times for the fraud. They'd also marked a correct transaction as fraudulent and "corrected it the same way, both times.

I do not understand the bad reviews on here. I have a personal and business credit card with FNBO and could not be happier. I have had to call with some questions and they were great. Next month I will be talking to them about a business checking and savings account because just found out we have a branch 2 miles from my business. I just hope the banking part is as good as the credit cards have been. THANKS FNBO.

STAY AWAY! I had to call 5 times to get them to cancel a balance transfer check. Today they told me again that the other customer service rep didn't do it right. They told me for sure this time it will be done in 2 more days. Then I was told I "can't make payments if I have an autopayment tunred on. Why? Just stupid! Just another bad credit card company that implements systems to cause more fees to their customers.

This is a horrible place to have a credit card!!!! They cancel it without any notice or care in the world to you or your life. It is right before my daughter's birthday and the holidays and they cancelled it, they didn't offer any help. Just read me their script of why they can cancel whenever they feel like it. And all the points you rack up and voided, no refund, no applying to your outstanding balance. Just gone. I have had this card since 2017, never missed a payment and always paid over the minimum. They rob you and have not a care in the world. I wish I could give zero stars or even negative.

We have had this credit card for 4 years - NEVER had a late payment, paid our bill off EVERY month, had a $18,000 credit limit that was given to us (we didn't request this), have a good credit score and have done nothing wrong. Saturday morning of last week while out trying to enjoy time with our family - our card gets declined twice. I had just paid the bill for the month prior so I knew it couldn't be that. I call customer service to find out that the ACCOUNT is CLOSED! WHAT!!!! WHY - "Oh you had too many credit inquiries recently." WHAT! No warning, nothing!

This bank sends me a pre-qualified offer in the mail for a credit card. They issue me this card and almost a year later, I have to find out from my credit report that they just canceled my card. They give me some reason that my debt to income ratio is low. I make over 100,000 grand a year. I had a 264 dollar balance on a card with a 5,900 dollar limit. My balance on this card has never been more than 300 dollars.

Called and asked for credit limit increase I haven't had one in over a year. The lady was very nice and said I was due. I told her I was doing 2 down payments on 2 new Dodge trucks. I was also using the promotion for 0%. She granted me the increase. I still had a usable balance of $1350. Everything was good. No problems. Less than a week later they canceled my account and closed it. 4 years 7 month gone. No late payments, no missed payments, no problems. When I called customer service they said it was closed because I had too many inquiries on my credit from buying a car and shopping rates. Wait what? That doesn't make sense I told the representative. She stated she had no control over the computer decisions. I still have a balance with card but the account is closed and my credit was dinged 81 point. I guess this company doesn't like my money.

I have been with FNBO for 4.5 years. My home loan, equity loan, 2 savings and a checking account. I had recently changed my pension and social security to direct deposit at FNBO. No credit card with them. I have never been late on a home loan or equity loan payment; 11 of 12 months I pay extra on both loans, considerably more on the equity loan. Because of an unforeseen emergency I recently had to file bankruptcy. I chose Chapter 13 so my home could not be sold, understanding, though, that if I had too much equity in the home I would have to follow the formula for paying back creditors. I chose 13 knowing I would still have to pay my creditors. After all, unforeseen cannot mean unprepared as far as finances go.

I have been a customer for years and never been late on any payments. About a year ago, my card was "suspended" for no reason. After a few months, it was reinstated. A couple of weeks ago I paid my entire balance off and I just got an email saying my credit limit was decreased. Why? Like I said, I have never missed a payment and only have a balance of a few dollars now.

I was solicited via USPS to apply as one of the "select few" for a FNBO 0% credit card/balance transfer. I was approved for a $14000 credit limit. After receiving the card, I decided to take advantage of the 0% balance transfer offer in the amount of $9200.00. THE BALANCE TRANSFER WAS DECLINED. I called customer service for a detailed explanation of why it was declined. After all, I still had a 14,000 credit limit that I could immediately charge up. It makes no sense.

The worst and most stupid bank I ever deal with. Had 7.7K available out of 7.8k Credit limit and CLOSED my account because I applied for other credits cards... Is none of your business if I apply somewhere else. Never missed a payment with you and Not a single bank or any late payment in years. After all, thanks God I got rid of this ridiculous joke of bank, because you don't ever get to be a real bank. Where at the invitation letter said I will not be able to apply for other cards while having this piece of nothing card.

I was a FNBO credit card holder for 15 YEARS. Currently my credit score (according to FNBO website) is 813. Lately I've been using my card to buy coffee every morning and a couple weeks ago it stopped working, thought it was the coffee shop's issue, tried using the card a few days later and still didn't work. Called FNBO and was told my account had been closed. Asked why? Was told it was a matter only the "High Risk/Fraud" dept could help me with and rep transferred me over. The person I spoke with said they wouldn't tell me why the account was closed but I could write them a letter asking for details and they would reply (with what details he couldn't say). So I figured it was their loss and at least now I didn't have to pay their ridiculous $50/year fee for the privilege of using their card.

After receiving MONTHS of these constant, insistently appearing ads telling me I was selected from a “small group” of people and very likely to be accepted, I finally called their customer services and was assured I had a VERY high chance of being approved if I had received their letter. So I applied. Got a hard pull on my credit, and WAS DENIED. I have a high credit score and freaking 6 figure income. Thought it would be nice to move some balances around. Nice going FNBO. Your company is a joke and missed out on some decent money with your fake, criminal advertising.

I had been a customer for over 25 years, but I had to close my credit card account due to rude treatment from their customer service. Furthermore, I received different information from different people. I had a set the payments to pay it all every month; however, I had a big expense about 2 months ago and I could not pay it all, so I called customer service and I was told I could change the payment online 5 days before the due date and I did. The payment day came and I noticed my bank account was negative. I panicked and called FNBO to have the payment changed to the one I had set online. They told me there was nothing they could do about it. So I called my bank to cancel the payment then I called FNBO to let them know so I could do the correct payment. No one helped me and they were very rude. So I had a late fee applied to it. I talked to 2 other people and all of them were rude. The next month I paid my debt and closed my account.

My review is simple- Stay Away from the Letters they send every month saying you are pre-Qualified. I have not been rejected for a Credit Card in 5 years until today- I have had identity theft 6 times - my gut feeling said, it was not a good idea. Trust me- Don't Do It.

So I received an offer in the mail saying I was pre-approved. Decided to check it out and they performed a Soft Pull on my Credit and said I was "Pre-Qualified" with a 15,000 credit limit, 12 months intro 0% APR, Etc. I don't need the credit that much as I have a number of tradelines in that range already. With that being said, At 15K, I really thought about getting the card but when I hit the "continue" button it just didn't do anything. Felt kind of strange and I decided to actually take a look at their reputation online...WOW. I am glad the button did not work! Between the lowering of credit limits without notice, the poor customer service, and the sheer number of 1 star reviews, I think I will pass on this bank forever. My scores are 780+ but I don't trust these guys as far as I can throw them. Seems like they have a bait and switch going on... Pre-qualify you at 15K... Give you a lower limit of maybe 7500 and THEN lower it to 500 after several months. No thanks!

They sent me an invitation to apply for a credit card. I went online to accept and it said I was approved for a card with a $15,000 credit line. I have other cards from other banks with similar lines. So I pressed apply which gave me a hit on my credit report. DENIED. What a horrible bank, stay away.

FNBO is sending me invitations for the last 12 month to apply for their rewards credit card. When finally I applied (my credit score was above 740) they denied my application affecting my credit score 15 points. What a strange way to do business. Sending pre approval mail invitations for 12 months and denying actual applications LOL. Useless.

This Co. lowered my available balance (what never happened to me before with none of other CC!!!). Which hit my credit score unexpectedly. I wish I closed this card. They said they monitor your credit and make decision every half year and I can request a review 6 months later. For years I had the card nothing ever happened. Until one day, without significant changes to my credit report. And when I requested a review they hit my credit score one more time by hard inquiry!?!! How come you figured it to lower my credit line and hurt my credit score without hard in inquiry, and you needed hard inquiry to see if you can put credit line back to what it was to hit my credit score against. Bottomline, if you accept this CC to repair your credit - close it few years down not to hurt your credit, more than it was repaired, out of a blue.

At first FNBO Jeep Drive Plus Mastercard seemed ok. There were a few hiccups along the way that gave me the uneasy feeling that these guys are not organized, but nothing that indicated pure concentrated evil. So, I was moving along attempting to earn points for Jeep gear and also use the 1000.00 earned incentive to purchase a new Wrangler. The incentive coupon was never received. I called FCA, I called FNBO ... and no one knew where was my incentive coupon. Then, after I purchased my new Jeep the coupon arrived.

I have banked with FNBO for 20 years and love their bankers. Always a very kind staff however as a small business, their PPP process has been an abomination, last in line, and they leave you to figure out everything on their portal on your own. Not one person is assigned to you. Now, almost a year later, it is still the same vague unattended process. Every other person I know has had round 1 fully forgiven already with other banks, no word on mine, and most are approved for round 2 from other banks, still waiting here as well. They also had a dedicated human they could call that guided them to expedite the process for them. FNBO has responded to our emails with a different person each and every time. Nothing personal has been indicated through this and we've been last in line every step of the way. It's already stressful for small businesses, this bank has made it more complicated and more stressful.

This company has the worst reviews online and I know why. This company sold one of my accounts, I accidently sent a payment to this company for that account. They have my money, they wont look it up and they wont send it back. The "customer service" will hang up on you. I am going to have to hire an attorney and sue this company. STAY AWAY.

Never do business with this institution again. Offered a new card, had it opened less than a year for balance transfer. Closed my account for no real reason, but coded remarks. Excellent Pmt and no lates

I normally decline any credit card offers when checking out at a retail store. Scheels and First Bankcard reminded me why I don't apply. My wife and I were checking out and they offered $50 off so I applied for a Scheels card. Short app but then it's unable to be processed. They further explain it does not mean you're denied just "they want to look into it a little further". No phone calls and a few weeks later I get a letter in the mail saying they are unable to process due to "Identify info does not verify".

My payment record etc with FNBO is PERFECT. They reduced my credit limit without notice and it dinged my Credit Score. Probably upset that I use my card to pay the lower rate. I have two rates. Horrible customer service!

My Scheels Visa credit limit was just reduced from $7500 to $550. I have NO idea why. I make all my debt payments on time for substantially more than minimum. There was no warning or question. No reason.

Wish I didn't have to give any stars. They just, with zero warning, dramatically reduced my credit limit down to $500! As we all know, this kind of thing has a rippling impact across a person's credit profile. I just think what if they do this to someone who's in the process of trying to get a mortgage or something??? I've never had a late payment (with them or anyone for that matter). Apparently they are doing this to many people. I sincerely hope this very bad business practice puts them out of business. Utterly shameful. They're approval requirements are similar to many other cards, cards that are very good and don't do this type of scandalous garbage, go with them instead. I only wish I would've read reviews before I let my bank talk me into applying...

Lowered my credit limit by 7k with out any warning or notice, or reason other than internal review, never missed One payment! Had I known the Quick trip card was serviced by them I would not have gotten it either, it lowered my credit score 42 points. Will likely will cause there internal review to lower limit again. They don't care about anyone or anything but the Almighty dollar. They don't care how they affect anyone, sure they will post a reply that customer service is important to them, but has anyone every received a call or anything from them explaining there reason, don't think so. I am 68 years old my oldest account on my credit is 42 years and guess what not ONE MISSED PAYMENT on my credit report!!

I have been a Sun Country Airlines credit card (serviced by First Bankcard, a division of First National Bank of Omaha) holder for six years. The card has a $69 annual fee, and provides limited discount benefits with the airline (they were better when I first signed up for the card), and also accumulates points (miles) based on purchases.

First National Bank of Omaha just ruined me after many, many years of always paying on time. Because of Covid 19, I had requested a skip payment. They granted 1, but continued to add interest. Since my restaurant was closed down for almost 2 months, I called before the next payment and explained my situation. I asked them to grant me 1 more skip payment, which they denied. They said that they only grant 1 per year. I pointed out my excellent history with them, and explained that with the Pandemic, that I was still in a financial crunch, I really needed 1 more month. Again they denied.

Our available credit was reduced from $7,200 to $500. I called and the manager told me they had reviewed the account and it was because we paid the bill in full, twice, and had, months ago, used the cash advance service. There is nothing wrong with my credit score. She told me there was no one above her that I could discuss this with. We recently refinanced our mortgage and are no longer with FNBO. Don't know if this is retaliation or just stupidity on their part.

I have been with First National since 2011. Never had any issues except old school ways of doing things. Paper, Paper, Paper for almost everything. In this age, you go on the fly and verify after the fact - not FNBO... they rather follow the lengthy and old tedious fill out paper and photocopy paper ways. Now, my issue. I had a negative of less than $25 on my account for 30 days and I was not sent an email about it and it was closed after 30 days. Also my savings account that does not have a negative was closed with it. On top of this, I did not know as I kept login in to know if deposits from PayPal or Amazon was a success, but never saw any deposit. I was concerned, and called that's when they gave me the news in year 2020. This is absurd, you do not treat your longtime customers like trash - I was treated that way.

Been banking with this bank for a decade now and had a credit card with this bank and they reduced the limit without notice. Called about it and in a nutshell, they said that is what it is deal with it. I'm gonna deal with it, moving to a different bank.

They tell you they will investigate fraud claims then send you a letter denying the claims. Charges on my card were made by companies that if you google search them have done this to thousands. Liars.

NEGATIVE - Called to let them know I'd not rec. my new card which was then sent. In attempting to activate I was told it was closed due to inactivity although they refused to reopen it even with talking to a supervisor. I maintain an 800+ credit score & saw online they're closing others cards which is simply pulling back their credit lines due to recession. Should be zero stars.

Updated on 12/21/2020: One star is one too many. Once again a decision this HORRIBLE company made is negatively impacting my credit score. They once again reduced my credit limit without warning and for no good reason. I continue to make on time payments, paying more than the minimum, and I have made zero purchases on this card since the initial balance transfers (which at that time utilized less than 50% of the original total credit line).

Updated on 08/27/2025: This might be the worst company I have ever dealt with. Got a Dodge Rewards Card with them back in 2019 when I bought a new truck to put the downpayment on it and get the reward points. Wasn't a huge limit, 10k. Paid most of it off, during the next year I changed banks and was getting ready to buy a house, I missed a payment by 3 days because I forgot to change my bank info. They gave me a late fee, dropped my limit to 3000, and I had to pay 1800 to get under the limit or face more fines.. Mind you I went 18 months without missing a payment and they wouldn't give me the benefit of the doubt. I didn't cancel because I was told by loan office not to but it almost cost me my house.

I and sent a payment of $29,000.00 on April 8 and the check was cashed in April 16th. I put my statement in the envelope and the person that received my payment didn't apply it to my account. I have called every day to find out when it's going to be applied to my account. They told me today they emailed the accounting department but their requests are only done "in the order they've been received". Rory is very rude. Not a human. What happened to picking up the phone and finding out where my money is? You have had $29,000.00 of my money and I can't even get it applied to my account. You cashed it 11 days ago. Stealing? If my payment was late you would call me the next day... Sad how this works. Someone is dropping the ball here....

Fraud dept are liars. They denied my fraud charges after I reported them immediately because I saw someone using my card on the app. I got a letter in the mail said they contacted the merchant and said I made the charged which is a total lie. I have never been two those two businesses in my life and I can prove it. In addition the fraud dept never called to ask me questions. I get insulted for trying to help them catch the thief. Which they didn’t even try to 20 yr customer who pays his entire bill every month and this is the terrible service I received.

Received a prequalified offer for a M Life MasterCard issued thru this bank. Started application process online and decided maybe to check out the card issuer as I was unfamiliar with this institution. Reading the reviews seems a common theme runs through them - their habit of reducing CC limits without good reason and regard for how it might adversely affect the customers credit rating. No thanks! Not worth the risk to my credit score. Their standard corporate response to all these customers who have written these negative reviews is laughable. I'd advise anyone looking to expand their credit and improve their score to stay away from this card issuer.

My credit limit suddenly decreased by $600 causing my credit score to go down right when I was trying to get an SBA loan to get me through the corona virus epidemic. Having this card just ruined my life, I wish I would have read reviews before I applied for it.

In 2015 I had very little credit. This I found out can be worse than bad credit. So I decided to stop using the Debit cards and get 1 or 2 credit cards. This would start building my credit score above the 615 I had at the time. Around the same time I made this decision, Wells Fargo Bank & First National Bank of Omaha sent me pre-approved credit card offers. Problem solved, 2 card is all I would need, so I applied. Wells Fargo gave me a $2500 credit line while First National Bank of Omaha gave me $2400. A bit low but it would still work.

I’ve had their Amex card for several years. Never missed a payment or had a late payment. Did a balance transfer a year ago to take advantage of the low rate. A year into it, accidentally was late 1 day on a payment. It slipped my mind amidst this corona virus pandemic and lockdown. I promptly paid it. They immediately charged me a $28 late fee and cancelled the interest rate that I had on the balance a year into paying it. Who does that? How is that even legal?

Horrible bank policies. I worked on building my credit for 6 years. I improved from high 400's to 750+. I had 2 cards with FNBO and carried over a balance of about 30% on each card. One had a CL of $11K and the other had a CL of $13K. I did this on a few cards to build my score and finally was able to buy my first home in November of 2019. In Feb 2020, FNBO lowered both of the CL's without any notice or explanation.The CL on both accounts dropped to just a hundred or so dollars of my balance. My utilization went from 30% to 90% on one card and from 33% to 98% on the other.

Following instructions of merchant provider and clearing it with the bank in advance, upon charge the bank closed CC and refused to investigate. I operate a small business, and use the First Bank Credit Card ran by the First National Bank of Omaha. This bank is listed under several different names in order to make customer complaints harder and virtually irrelevant. This business looks only at numbers. I spoke with a service agent, looking for a reasonable solution to a simple problem.

I was mailed an invitation for a pre-approved credit card with a $1,400.00 credit limit. I took the offer, have NEVER had a late payment with this or any other cards or loan accounts. My "On time payment history" is 100%. My account due balance is $0,00 with this account, my score went up 107 points one week and the very next they decreased my credit limit. I called twice to ask why and no one could give me a good answer.

On 3/17 my credit limit on my First Bankcard Visa was decreased by half (from ~11k-5k). This was done without my knowledge and despite the fact that I have never missed a payment and haven't charged anything to the card since I opened it with a balance transfer. The decrease in credit limit led to me using 95% of the available limit and drop in my credit score of FORTY FOUR points. When I called the company to ask for my limit to be increased they said they could not do so for four billing cycles. So as a result I must continue to deal with a significant drop in my credit despite the fact that I have not missed any payments or charged any substantial amount since first opening the card. After a brief Google search it is clear that this company, a division of First National Bank of Omaha, is not a friend of its customers. HIGHLY advise going with another, more reputable, company.

One of the consolations these days for working to pay off a credit card balance with a high interest rate is supposed to be the rewards program. If you agree, do not choose this bank. I used rewards points to buy a Christmas gift. When I received the item it was like a toy you would get in an arcade game and it was damaged to boot.

I was solicited through the mail by this bank after buying my Jeep. Jeep DrivePlus Card. I grabbed it so I could use it for emergency repairs at my dealership. Have had the card for less than a year. Used it once. Paid it off just after. Without any notice, boom! Account is cancelled. I periodically log into my account just to make sure everything is as it should be and couldn’t access anything. Called customer service and got the news. Absolutely no recourse. Account is permanently closed due to inactivity. Can reapply. ??! I don’t think so! All of this and not so much as an online account message or canned letter telling me to maybe (hint, hint) use my card. So here I am. My credit takes a dive. Do yourself a favor and stay away from First National Bank of Omaha.

I opened a personal loan with them to pay my credit cards off. The agent who helped through the process was a little rude and didn't get my bank account information right. I was hesitating about getting an automated payment that day but she convinced me I was going to save me some money so I did. The following month I realized a $15 dollars fee for having the wrong account information and that was the agent's fault not mine. I paid off the loan this month, two weeks in advanced the due date for the month because I realized I was paying more interests than with my credit cards. I canceled automated payment on February 12th.

I opened an account shortly after purchasing my Jeep in 2015 to keep in the car for emergency purposes. I was given a 5k limit which is considerably smaller than my Amex card (30k) I use regularly. I was notified recently via credit monitoring that the account had been closed so I called customer service to see what the issue was. I was told it was cancelled for inactivity. I explained the reason I opened the account and asked if it could be reopened. I was placed on hold and then told I’d receive a letter stating my account was closed for inactivity which I was already aware of given the call I was on. I asked again if the card could be reopened and was told it was a permanent close so they couldn’t open it again, but I was more than welcome to apply for another account instead.

This bank is a damn joke!!! I opened my account in Dec, I was unaware that a payment reversed. The bank took it upon themselves to place a hold on my account w/o consulting with me. I called customer service to update my number several times, the fraud department informed me they can't see each other notes, I called in several time to speak to someone regarding this issue.

I had this credit card for three years. Never had any problems until a week ago. I ask for a hardship, they asked me for my banking account which they already did had my banking account I was paying from the bank for three years. Well anyways a week later they sent me a letter. They were saying I gave them a wrong banking account. I told him that’s not true because I was paying with that bank for years and it was the same checking account but they insist I give them wrong number, And now they’re saying I’m not qualified for hardship because they enter wrong numbers on the checking Account.

I have worked with FNB of Omaha on a couple of occasion, once as a new homeowner and once for a home equity line of credit. Both times have made me never want to work with them due to their policies and lack of tact and care. This past year I went through a very traumatic and stressful year. I started a business with my husband and lost my brother within months of each other. I had a booming business and was trying to get my feet under me, and I had a hard time keeping up with things personally...understandably.

I have had FNOB credit cards for years. I had a rough couple of years and have high usage on my cards. The last year or so, I have been aggressively paying down my cards to improve my score. As we know, credit scores are affected by credit usage. As I decrease my usage, my debt to credit ratio improves - NOT with FNOB. Repeatedly, they have LOWERED my credit limit, while I am lowering my balance. My other credit cards reward my on-time payments and my attempts to reduce my debt. I'll be keeping my business with those banks. Stay away, as any attempt to improve your credit score will be thwarted by FNOB. Why? So that they can charge you some of the highest interest rates in the industry. The worse your credit, the more money they make. Be wary and get out of an FNOB account the minute they try to lower your credit limit. This company hedges their bets against you. They are not your friend.

First National Bank of Omaha never responded back to my review, although reflecting how sad they wear to hear of my concerns"blah blah blah". This is what FNBO does; ignores and makes rhetorical statements to make it look like you were heard. They responded to a CFPB complaint (Consumer Financial Protection Bureau) and OCC referred complaint in a rhetorical way and with no proof of what they stated. I recently retained a law firm to help me in my pursuit of justice against a financial institution that has consistently shown (four years) they will not adhere to any ethical, moral or legal professional conduct whatsoever, unless confronted by attorneys and the judicial systems. SO AGAIN I STATE TO ANYONE THINKING ABOUT GETTING INVOLVE WITH THIS COMPANY, I STRONGLY CAUTION AGAINST DOING IT, IT'S NOT WORTH IT, THESE PEOPLE HAVE ALTERED THE COURSE OF LIFE and AGAIN BTW I'M A VICTIM OF IDENTITY THEFT!

I would give it to zero Stars if I could. This is the worst bank I have ever banked with. Their customer service sucks. They don't allow you to remove your own name from a joint bank account if you don't want to be associated with it. They don't allow you to transfer funds to any other bank unless it's another one of their branches so if you want to transfer money you have to set it up as a bill pay and then they mail out a paper check which takes a week or more to get to where I been mailing out paper checks in the mail. Who does that anymore? That is very Stone Age. This is a terrible bank. Don't ever sign up with them because you will never be able to close your account and walk away. I have never been treated so unprofessionally by a bank before. Every time I call them with anything I am met with tired grumpy sounding voices people who are very short on the phone. They treat their customers like crap.

My mom recently passed. I call First National Bank of Omaha, they request her death certificate via fax, which I had to send three times because they weren't receiving it. Then I hear nothing from them until three weeks later I get a notice that they have a lien against my mother's estate for a $500 bill. One, they never ever sent me any bill. Two, my mom was a loyal customer for many many years. I at no point was shirking my responsibility and had given them my information so that I could pay the bill. When I called customer service the lady was snotty, told me that they have sent a request for payment three different times (in one month's time?). Why would I ignore those letters in order to get a lien on my mother's estate for a $500 bill? They are an unprofessional joke and I will never endorse, recommend or use first National Bank ever.

Hey I just wanted people to know what First National BANK OF OMAHA/ First Bank Card did to me.. My credit score fluctuates around 690 to 740 in the past 5 yrs. With that said I also have (3) credit cards with American Express with limits roughly $25,000 carrying about $4,000 balance plus a few more cards which carry no balances at all. So Pretty much I have $35,000 in credit in all..so I applied for this card for the gas perks etc. They initially gave me $5000 limit..ok no problem. I expected that much..I was going on vacation so I decide to..just in case..I needed it for an emergency only! I asked for cash advance which I already had & didn't know..so they sent me a pin number..so I never used the cash advance.

My mom recently became ill and I am paying her bills. Received a letter regarding non payment. Called to make a payment and the representative was unwilling to make accept my payment. When I am clearly a secondary card holder. I explained that my mom recently had a stroke shock left her unable to communicate and I simply wanted to make a payment on the account. They are requesting that I mail/fax POA PAPERWORK. Wait up to 10 days for them to be reviewed and call back. I explained I’m smiling wanting to make a payment and he still refused to accept that payment. Well not only is this showing on my credit as a closed unpaid account but I can’t even pay them. Do not I repeat do not get a card from them. Their customer service is heartless, unprofessional and rude. This company is just money hungry and heartless.

Always make my payments on time, if not early. Just received a notice that they closed my account because I "no longer fit their credit profile!" So now they're ruining the credit I have been desperately trying to repair by pulling my credit report without my knowledge or authorization and closing my account to boot!!!! STAY FAR AWAY FROM THIS COMPANY!!!!

I was given a $5,000 credit limit via American Savings Bank, which uses this service. The credit card company tried to take the balance of my credit card out of my checking account without authorization! It did not go through and then they sent me a notice that they were going to reduce my credit limit, no apparent reason. I had been making monthly payments, and there was no reason. Whenever I would call in my payments, they never posted them, screwed up again. This company has messed up my life and the credit for so many others. How bout filing a class action law suit?

We had the card for about a year. Carried a minimal amount on it and always paid more than the minimum and always on time. Received a letter stating it was being suspended for 6 months, no real reason or explanation. Next thing we knew it was closed. Again, no real reason and no explanation! We recently purchased a house other than that there was no fluctuations to our credit. A mortgage, one car payment and one other credit card. That is it. Nothing else as far as debt. Ridiculous hit to our credit. Wished we had never opened this account. Only did it to get the benefits since we visit Vegas 4+ times a year.

WE have had a credit card with this company for decades. We always make full payment of our previous balance and have never missed a payment. We recently filed our first dispute. They initially were not even going to submit the dispute to Visa. We told them that the dispute was for misrepresentation. The customer service representatives didn't understand this dispute category at all. They finally submitted the dispute to Visa. However, We do not know what dispute code was used. Visa denied the claim. The company has not offered any other assistance except to tell us to work with the merchant. We called to cancel our card last night. No apology in any form was given.

First Bank of Omaha is a damn joke. I am not certain if Clark Lauritzen and his board are making decisions about people's credit lines and sending out letters based on with fictitious or erroneous credit information. I hold a Mastercard with this bank and my credit line was decreased by 30% at least. I received a letter from FBOA regarding some really thin details as to why the decrease occurred.

I have had this credit card since 2014. I recently made a payment more than double the minimum amount. I have never been late. For unknown reason, an old checking account which has been closed was used for the payment! I gave FNBO the new checking account number months ago! FNBO has processed payments for months using the new account. I get a nasty gram from their credit department saying my account is in delinquent status. I have since used the new checking account for the alleged past due payment.

First National Bank of Omaha or First Bankard stated that they would no longer carry the NRA branded credit card and would not open any more accounts with that notoriously abominable organization (sarcasm), but now they have started closing our accounts due to a randomly picked credit report of our creditworthiness. BS. This is blatant lying to their consumers, my credit has never been better, in fact my credit has increased in the past two years since acquiring the NRA card! FNB of Omaha is a farce and just bending their knees to the leftist destruction of our country. So be it. Glad not to be affiliated with such trash. Moral of the story? Stay away from communist companies. Hope I haven't offended any person because of my inflammatory rhetoric, but the truth hurts and the leftist are without the truth. Just my two cents and an honest opinion. Take it or leave it. God Bless America.

This is a horrible institution. I was recently a victim of identity theft, and this bank did a lousy job investigating my case, they did not investigate it clearly and are holding me responsible to pay fraudulent charges that have been made. Do not waste your time applying this card, the customer service department is extremely rude and you are never able to reach anyone normal. Save your money and apply elsewhere. They will do anything to make money off you, even when you have evidence and provide proof you have been a victim of identity theft. Very disappointed in the horrible service and way all this is being handled. Do yourself a favor and never apply or have dealings with this bank.