FNBO Reviews

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

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

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

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

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

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

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

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

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

This loan had very clear terms, however once the loan was being paid the bank began unevenly distributing principle/interest. It was advertised as having no prepayment penalties, however I paid $20,000 towards the loan in 10 months and they took half of it for interest. Most months they took 100% of the payment for interest. I requested standard explanations and was given short, irrelevant responses via email. I paid a day before it was due, in the only system they have available for payment, and they took 2 days to post it to my account, and then listed it as late payment.