FNBO (First National Bank of Omaha) Avaliações 

DONT DO BUSINESS WITH THIS BANK!!!

I did a balance transfer with them over a months ago and never received the money, I reach out to them the first time they told me I had to wait 24 business days to receive the money and after waiting that period of time and since I didn't got the money, I reach out to them again and they told me there was a problem in the way I did the balance transfer and the only option they could give me is to put a stop payment in the check turns out its been over 2 weeks and I still haven't receive an update from them, they don't provide you a case number or nothing and now they want me to make the minimum payment for a money I never received, this situation is crazy. The only information I have about my claim is a note that's in my account if any person in this bank reads this and wants to solve this situation the number is 699000662657.

please avoid at all cost doing business with this bank you will have a hard time.

Absolutely horrible! Got a fraud alert on third party website of somebody using my information to apply for a credit card and this bank has been very reluctant to help!! If you don't have an account they will not answer a single question from their fraud department or credit department. Terrible customer support, the people who pick up the phones don't understand the banking systems! They just repeat the same script with no additional information, I spent over 2 hours just trying to get basic questions answered!!

Called customer service to resolve a disputed, re-occurring charge. The customer service representative said that it had only been charging since January 2026, but my records show it had been charging for over a year. All I wanted to was to cancel any upcoming charges from that vendor and she cancelled the entire card instead without my permission. There are pending charges to this card that I will now have to cancel and won't be able to pay for at least 7 days until the new card arrives. This is terrible customer service to cancel a card without the customers permission.

I am extremely pleased with the service I received from Stephan Silvestre. He was knowledgeable, professional, and incredibly efficient in helping me open my business account. Stephan Silvestre was the best part of my experience—he made the entire process so easy and stress-free.

As far as I'm concerned these guys are crooks!!!! If I could give them less than zero I would. DO NOT DO BUSINESS WITH THEM!

Reading the reviews, I’m certain I won’t be using this card. Only got it to get the fast pass at Universal. Used it at the park to get rewards, used it once since. Made 2 payments since, I’ve only had the card for a month, trying to make another payment, can’t. App doesn’t work. Log in and can’t pay. I try to chat with an agent, site tells me one is unavailable and to call. I call. I get the fraud department. I explain I was trying to make a payment, not sure how I got to fraud. He transfers me. A woman answers and I tell her I’m trying to make a payment, but the options are greyed out. She puts me on hold a couple of times, then asks me to send screenshots of the greyed out options on the site. After doing so, she calls back 10 mins later. She has me clear my cache, I even try a different browser. Same issue. She puts me on another hold. A few minutes go by, and she comes back to tell me the reason it’s greyed out is there is a fraud hold on my account. lol, really? I’ve used the card at the park, even having to show my id when I applied, at the park. I made TWO payments. Who fraudulently gets a 8400 credit limit on a card, uses it WHERE they applied for the card, then makes 2 payments???!!! Cmon now. A couple of weeks ago, someone called me from FNBO. Asked me the same exact questions the person from Fraud asked me when I got transferred to them. Woman just kept saying “I don’t see a record of someone calling you.” Ok, did you all try to send me mail or something? Nope. Even when I asked about the app and why I couldn’t use it, first rep told me it was because they have been having issues with the app. Once I verified what they needed me to, wouldn’t you know, I now have access to the app. lol, I have a really low balance in relation to my limit. It’ll be paid off, and this card will live in my sock drawer. Only a month in, and this is not a company I can see myself dealing with.

Customer service is the worst I have ever experienced with any bank. The local branch personnel are excellent, but the corporate folks are abhorrent.

There is a major problem with the process of disputing illegal charges on the credit card. The team overseas has difficulty to read e-mails and understanding the content. They keep losing e-mail attachment and the entire process is very disorganised.

In my last case (February 20, 2026, Claim ID 2602041552C) they ruled against clear guidelines of US government (Customs and Border Protection) because they lost the attachment to the e-mail (Harmonized Tariff Schedule of the United States Revision 1 2026, Section XVIII).

I noticed a credit inquiry from them, when I had not applied for a credit card. When I called them to let them know that someone was fraudulently creating an account with my information, they refused to close this account, because I didn't know the card number. Never mind that it is the piece of human garbage fraudster that has the fraudulently opened account number--they are allowed to keep using it, because only they are the ones allowed to close the account.

So you tell me I need to wait 30 days for a overpayment refund. Will that be 30 days from my first call over two weeks ago or 30 days from my last call ?
I called back the number you listed and now they tell me 45 days from the time I fist called. How do you train the workers to pull a number of days at random as an answer ? I have a feeling after that timeframe when I call back the answer will be 60 days. I wonder if I asked you for a 45 day wait period for your monthly payment what you you say ? It would be a late payment one day later and sent to collections within the 45 days you ask me to wait.

Horrible bank! Ive been a customer for years. Im out!

Terrible credit card company. The fees are unnecessary and excessive, and overall it has been a very disappointing experience. Customer support is unhelpful and difficult to work with. I would not recommend getting a credit card with this company.

I’ve had the Amtrak credit card through First National Bank of Omaha for a little over a year. Recently, a refund posted after I had already paid my balance, leaving me with a negative balance. Getting that money back has been surprisingly difficult.

I was told a check would be mailed within 7–10 business days — it never arrived. After two follow-up calls over the course of a month, I was finally told the refund had never actually been sent and would need to be reissued. There’s no tracking available, and I was advised to call again to confirm it goes out.

Customer service has been polite, but the process feels disorganized. I shouldn’t have to repeatedly chase down my own refund.

This bank is a joke. It has terrible customer service. The app for banking never works. The security of the app sucks. They make changes to the app without telling you and remove features that I have always used. I can’t pay my credit cards through the app anymore. I can’t transfer money from one account to another anymore. The changes keep making this bank looks silly.

I was duped by my VOIP provider (VOIPO.com) when they suddenly closed down in July last year. Before shuttering down, they hosed out our existing credit cards under false promises of future discounts and extending services for 4 years till 2028. When I went to the bank with this complain and fraudulent charges, they did nothing. For 3 months they kept giving lip sympathy and eventually just said that the matter is more than 90 days old so I am out of luck. This bank is not for customers. I am more than 15 years old customer with them and thats how I was rewarded.

after receiving typical "sorry" which was expected, I just want to let the users know that's not always the case. The bank chose to wash off their hands and proceeding legally for the recovery. I tried to attach a link to web resource but its not allowed per Trust pilot terms. In short, bank could have started a charge back process but instead just gave up. Talking and discussing with them is worst experience so I just gave up.

Worst app to use for a credit card and worst customer service I’ve ever had with any company. Ever. Appalled at how hard it is for them to even put my correct email on file??? Not to mention being 24/7 locked out of my account and having to contact customer service and get them into my account (nightmare) every single time I have to pay a bill because they never send the email I HAVE ON FILE the password reset. I would trust a homeless dude with my money more than FNBO.

I have banked with FNBO for years and up until recently never had a problem. But I had moved where there was not a branch and needed to change my phone number on my account. They would not allow me over the phone. My mom whose name is also on the account tried to go into the branch and change it but they wouldn’t let her either. Then at a later time I tried to call in and notify the bank of a large check that would be coming out of the account that day but since the phone number was wrong (because they had previously refused to update it) they would not allow me access and instead put a fraud alert on my account and said it would remain until I went into a bank branch. The person I spoke with seemed to be in a bad mood and did not want to be helpful or try and figure anything out. Thankfully I had another family member on my account who still lived near a branch who was willing to go in and help clear it up. When the family member went in the person who I had spoken with on the phone had put in the notes that “I began using foul language while talking to her.” My family member then knew that this was a lie because I don’t cuss. Everyone who knows me knows that I never cuss. I was already very frustrated with the whole situation but when I heard that the lady lied in the report I decided that I don’t really want to keep my money with a bank that operates like this anymore so I will be pulling all of my funds out and finding another bank that will actually help its customers. I hope they record their phone calls and whoever is in charge of customer service reviews the audio.

I was a visa card holder with first national bank of omaha. For many years starting around 2000.
In August 2025 while attempting to make an online payment
I noticed withrawls from my bank account that I did not autorize.
After reviewing prior statments
I identified similar charges dated October16 and 17.2023
And April 15 and 16.2024.
I contacted customer service and
Was initially told the charges would be refunded but later I was informed
that they would not be.
I then worked with my bank to file a claim and recived.
The fund back subsequently FNBO reversed the credit and re-charged
a total of $175.80 to my card account.
I closed the account but i continue to collection recive calls regarding this balance.
This expierence has raised concerns
About account dispute handling
Communication.

WARNING!!!!! DO NOT GET A OPEN A LINE OF CREDIT WITH THIS COMPANY!!!
I was given a $5,000 credit limit ; I used $,2,000 of the card so far; I paid my bill on-time, never late !!! I have 5
other credit cards with on-time payments as well.
This company without proper notice decreased my spending line to $2,600.00 ; This made my credit score -8 points against me !!! I called to speak with a supervisor that had no care in the world nor did the representative. They even agreed with me or not understanding why this happen ; Basically stated wait 4 months to get another line of credit! I pay my bills on time and work!! STAY FAR AWAY From this scheming company they SUCK!!!! In all my life of having credit cards I have never experienced this and BAD customer service !!! This reply is meaningless!! I never received nothing or no notice about this ! I called your no good customer department! Worthless like this response !! Do not use this company ! Hope they bankrupt! Which it will soon lol

I wish I could give negative stars.