FNBO (First National Bank of Omaha) Reviews 

The staff at FNBO is the only reason we have stuck with this bank since it bought over our local Wyo State bank. If you have a business account and have any desire to move money around or use any basic functionality tools that any other online banking would have.....it does not exist. The online banking webpage is literally from 2010. The most progressive thing you can do is send money through Zelle. Oh wait, you also cannot do that if you have a business account.
They need to stop popping branches up everywhere and spend money on their own platforms for customers.

poor customer serbice over zealous fraud department

This is one of those Spinal Tap situations where my rating goes DOWN to -11.

Flagstar / NYCB deserves some of the blame as well.

I had been a happy credit customer of Flagstar for 1-2 years. Flagstar transferred its customers over to FNBO.

The way this was handled was..I will be polite and say "disappointing." I've got a number of complaints. As far as I know, this is what is happening to everyone and not based on anything I did wrong.

1. FNBO is completely changing the cashback structure of the card to something much worse than I had with Flagstar. I have no option to change this.
2. FNBO is reevaluating my credit limit. (This one is not so bad in my opinion but add it to the list.)
3. The communication was terrible. The only notification I received was by mail. Nothing by phone, email, or in the credit card web interface. Not even a "hey, expect something in the mail."
4. It's a whole quest to find someone to talk to about this. Customer service from my existing credit card doesn't even know what's going on, despite the fact that FNBO told me there are things I need to do on the old card before it switches to the new card. The communication from FNBO does not have a general number to call about the transition or any good contact for FNBO, other than the number to opt out of data sharing.
5. There is a secret number to opt out of the switch entirely, but that number is not listed in the communication I received.
6. That number to opt out of data sharing secretly works to talk to someone at FNBO about the transition, but when you call it asks you for your card number and your old card number doesn't work. (I won't get the new card for another month and half, which is too late for reasons I describe below). The only way to get any information is to spam "0" until they send you to a human.
7. The humans are not very well-informed about the transition. They also don't have any good resources. The rep I spoke to was supposed to have a resource for answering questions, but the "link was broken" and pointed to a different resource. I asked whether my card rewards structure was changing, and the rep said that no, it was not changing. After more questioning, the rep said oh, actually it is changing.
8. According to the communication I received from FNBO, I have 30 days to opt out of data sharing. The communication also says that I can opt out of data sharing at any time. However, that's a lie. When I called the data sharing opt-out number, I was told that I cannot opt out of data sharing without the new card number. I won't receive that for another 45 days. So they will have a free 15-day period to send my info out to anyone they want despite the fact that they claim I can opt out at any time.
9. Back to the part about how they are making my card way worse: You might think that this is somewhat understandable because FNBO doesn't offer any cards like what I have with Flagstar. However, it appears that they are switching me to a rewards structure which they didn't previously offer, which they call a "Flagstar Signature Visa" (confusing because Flagstar offers multiple Visa Signature cards, but whatever; I guess this is the generic one). So if I'm right about that, then the point is that they DID go through the effort to set up a new rewards structure for transitioning clients but CHOSE not to make one that's actually any good to accommodate those clients. But let's say I'm wrong about that, and they are just repackaging an existing FNBO card. They are giving me no option to choose which FNBO card I transition to (confirmed that with customer service at the data sharing opt-out number after the automatic prompts tried to trick me into thinking I couldn't do anything).

I'm not saying that they did anything illegal (or that they didn't), and I'm not saying I'm surprised. Just saying it's bad, and much worse than my experience with most other banks.

I had my secured credit card closed for no reason. Then when I requested my money back as I did not owe them any money, the bank told me that it was sent out to my attorney's office in my name, as I asked him to get involved. What the bank did was mail my money not in my name but in my attorney's name to his home address, and his wife cashed the check, and I am still waiting for my money, and the bank would not supply me a copy of the cancelled check or omit to their error or try to correct it. I am a disabled person and I have leukemia. This is not acceptable.

Horrible Customer Service, No Feedback, and Rude Responses. When I expressed my concerns, the response was dismissive, stating that as a private bank, they can do as they please with my money.

jainish patel! he has spectacular costumer service. I visited on my birthday to deposit a check, and a week later i received a letter in the mail from Jainish Patel. He wrote a handwritten note to me wishing me a happy birthday and thanking me for making FNBO a part of my day. Jainish Patel is very dedicated and deserves to be recognized!

Would not recommend this card to anyone. Crappy everything. There are a lot of cards out there without the BS. Would not waste your time with this one. Get a reputable bank card. Made All my payments on time. Set up auto pay, and set it up too close to the due date and the payment was literally paid one day after due date, and I revised a $40 fee, which I did not complain about, it was ultimately my fault, but then they lowered my credit limit to just above what I owed on the card. Pretty crappy. I have 100% payment history on my credit report and this is how they treat you. The card is paid in full. I will never use it again. It does not cost a dime to be descent. And I will no longer give them a penny of my business.

Was trying to obtain a home equity loan, which in retrospect probably wasn’t going to work for what I wanted to do with it anyway. Spoke to “Sara” who informed me they couldn’t approve the loan as my credit score was too low by about 6 points. Based on the credit info she had at that time, that was a legit decision. However, I was in the process of getting a rapid rescore for my credit and I tried to explain the new score should be back later that day. She just kept repeating that a certain credit bureau was what they used and they had to go with that info. Yeah, I get that, but what about later? The rescore was considerably higher. I passed that info on to my initial contact (did not have Sara’s info unfortunately). Info may not have been passed on to her I suppose, but there was definitely no call back. I found Sara to be polite, yes, but she was also dismissive and was either not listening or just didn’t care. I’m sure everyone at FNBO isn’t like that, but I would not use them in the future. Even my initial contact wasn’t as friendly as I’ve known her to be. They both made me feel rather stupid (ok, I don’t know anything about this stuff, so yes, I probably did sound stupid). I also felt embarrassed by my situation; I had asked Sara about some credit card balances to see if they reflected the balance after I paid them down or if it was still the old balances. I wasn’t disputing the info she had, and yes, I had credit cards with high balances before I paid them down, but the way she “discussed” this with me was abrupt and she seemed way too eager to get off the phone. I felt as if I were ridiculous for even asking about this loan. Again, I was embarrassed. I know our perceptions can be off sometimes, so even though I felt like I felt, I’ll cut her some slack. The not listening part was the big issue. I don’t care that I didn’t qualify for the loan at that point, but ma’am I’m trying to tell you that my circumstances were about to change. Finally I just thanked her for looking into it and ended the call. The whole call left a bad taste in my mouth so I will not plan on working with FNBO in the future. There’s plenty of other banks etc to go to that don’t have a Sara.

Had a Mary Kay FNBO credit card for a year and got to the full limit then paid it off. then i went to use some for my business after paying all but 1000 off and they said they are refusing my money for 20 days!!! What????? how do people do buisness this way? very disappointing!! will be closing it asap!

I recently applied for a MGM casino credit card through FNBO and got denied, called to get it reconsidered as my Fico is 852 and got denied a second time. Called they verified everything, even sent me a text. Still denied. What a joke these people are.

I have had the GETAWAY FNBO WORLD credit card with FNBO for 1 year now (Since Jan 2023, it is now Jan 2024 at time of writing.)

Since August 8th 2023, I have had a statement credit of -$618.59 on my account

Between 3rd - 18th of January 2024, I started to spend this credit.

However, on the 18th on January, the ENTIRE REMAINING BALANCE of $424.56 was REMOVED from my account. Gone!

Transaction detail:
CREDIT BAL RET
$424.56

I haven't been emailed about this. I haven't been called. No letters in the mail. Nothing.

I demand to know what is going on here and I want my money returned to me.

This company is horrible. Absolutely no one to speak to if you need problem resolution. They don't even care if your credit card is used fraudulently. It takes multiple phone calls and waiting on hold to report it. Stay far away.

I just got $200 in credit card fees for buying $20 dollars in crypto.. lol seriously??? A “cash equivalent fee” then because I had less than $20 in my savings they “decided” to close my account for inactivity. I keep all my money in checking… thousands.. then on top of that they disconnected my crypto link to my bank account. Basically these people think that my money is theirs lol… f@ck you. Im closing all my accounts, my credit cards and you lost a high value customer. Good job..

I received the credit card on January 3, 2023. I "activated" it immediately. I'd applied for it on October 6, 2022. I received a text message from them on January 9 for me to call them. They said I was 3 months late paying my credit card. They charge you a 99 and your payment starting on the date that you apply for the credit card. I said I just got it 6 days ago. I said they needed to reset the annual start date to January 3. They said no. I said they needed to give me back $99/4 for starting billing me three months for the annual fee before I received the card.

Worst customer service I have experienced in the last 50 years. Issue was caused by an undisclosed data breech at FNBO in 2022 which required me to recently get a new card. During the process they locked me out and refused to let me speak to a Mgr. It's been 2 weeks since they promised to issue me the paperwork which they were going to require me to go to my bank to verify I exist. I want to go thru the process so I can cut their fancy Premier Card in pieces and return it.

if there is a -5 score i would choose that. Worst bank ever run by a bunch of liars.

Got a notification from my credit monitoring service that by FNBO account was closed by credit grantor. No communication whatsoever from FNBO on this matter until a week later. They didn’t give me a specific reason for closing the account, just a generic letter of one of the reasons it may be. My credit score and credit situation is better now than it was 2 years ago when I received the card. I will never do business with FNBO again.

FNBO was originally my BP/Amoco credit card that I've had for like 20 yrs. Today 11/16/23 I got a letter informing me that FNBO had closed our account on 10/31/23 because "we haven't used our cards for 22 months". No notice, late letter, nothing mentioned on their website about using cards or desire to close our accounts. Screwed our credit score that we were so proud of-820 to 750. Find a better bank that values their customers is my recommendation.
Addendum 12/6/23: FNBO reinstated our account "after further review". Hopefully it won't hurt our credit score anymore. Thank you FNBO for putting our account back in place.

I called FNBO to report that a fraudulent account had been opened in my name- using my personal and contact information. I waited on hold for a total of 50 minutes only to have a CSR finally answer my call and later essentially refusing to assist me in any way in this matter. Not an ounce of empathy nor any accountability to uphold their fiduciary responsibility when presented evidence of a crime. I have sent 5 emails to their service and fraud departments and have 0 responses. My next calls will be to the CFPB, who collected a $32mm fine against them. Do NOT engage in business with companies that are shady and don't care in the least in meeting their obligations.

I've been a card member with this business since 2017 where most times it's been good but lately last year the way they hold the balance of my charges keeps to be transferring over then when credits come into play from last period doesn't cover the whole charge that was paid off therefore then I get the extra charge back to me and the way they produce their statement is soooo messed up and not readable the way the I would it logically. I asked them to close my account once the unknown charges that I felt got messed over this business is paid off and it's now. They don't communicate with customers how I could have handled this if I didn't want to see future surprise charges because they AS-S-U-ME that I got it figured out when they could have helped their customers explaining things clearly but they didn't because as long as they get their money that's what matters!