FNBO (First National Bank of Omaha) Avis 

If I could do NO stars I would! One of our rewards cards was LOST and I was given a ticket number and told I’d be called within an hour or two. I explained that we were on vacation and if they didn’t respond quickly it would be pointless. Three days later I get a voicemail to call them back. I call repeatedly and the recording says to call back during business hours EVEN thought it is Business Hours. I’m canceling the card because of this !

After a minor disagreement the branch manager at Norfolk ne decided to close my account that I've had for 25 years. Her supervisor of course covered for her and agreed to close the account. Stay away at all costs, do NOT do any business with this crooked bank. Customer service is abysmal . Contacting customer service and speaking with a "supervisor" does absolutely nothing, it appears that most of the staff is of the overly emotional type that cover for each other. There are several other accounts this bank is going to lose as I'm making sure everyone knows what happened

I just received a letter in the mail from FNBO offering me a credit card with a 0% introductory APR rate for both purchase and for balance transfers through June 2027, a whole year from now, oh and no annual fees! Granted I have pretty good credit I’ve worked realllllly hard for so I figured it sounded pretty great, right?!? The only think was, knowing this would take a hit to my credit score showing an inquiry, I at least wanted the inquiry to be worth it as far as being extended a decent credit line but I find no were that mentions anything about a credit line. Could be $300 or $35,000🤷‍♀️ I’m not sure if it’s worth the gamble but was still intrigued. ….UNTIL I read alllllll of these reviews giving 1 star and most had very similar problems. That’s got me having cold feet now.

On a side note, your company FNBO could really use someone like me to genuinely explain and help your customers out vs the generic copy/paste message where their concerns appear to fall on deaf ears with no willingness to look into each issue and correct what needs to be fixed to ensure the success of this financial situation and it’s reputation. I’d be more than happy to if you guys are interested and hiring because 100 one star reviews on here wont generate future business. I mean this sincerely. Please reach out if you’re interested. If not, understandable. Hate to see your company crash and burn when it’s not too late to turn it around. ….now back to the letter I got today about me pre-qualifying for a creditcard through your company… I’m tempted but also scared after the reviewss. I’m really responsible and pay everything on time with an extensive credit history, zero late payments, and zero collections.

Thanks you for your time!
-Kaylan
Email: ReceiptQueenKaylan at gmail dot com

As of today, they sent a reply to call them at 888 number to go back on hold..never ever again..my bill this month was over 8k and because of your service u wont see 1 cent in Interest..I was the prefect client lots of High dollar purchases ..liars,scammers,he'll bound you are..

I paid off my loan to them a long time ago. I accidentally overpaid because of the way the account is set up. At first they said it would be several weeks. That passed. I called back same. I called back and they reassured me it would be sent asap in a couple of days. Weeks have passed. Still nothing. At this point it feels they are purposely keeping my money. Will NEVER use them again and will be glad when this is all over

Worst bank ever!! I have applied for credit cards many times (780 credit score). I have always had it approved or denied within a day. Once it was up 3 days and I called same day I applied where a banker was able to look at it and approve it same day. This bank? Nope. They take 10-15 days to approve a credit card. The one I applied for so I could use it for my birthday at universal. But they don’t tell you it takes that long for approval. I call and speak to a woman who says there is no specific department for approval of accounts and that the computer has to approve it hopefully in 10-15 days. What kind of nonsense is that. Now my birthday vacation is being changed and I’ll have a useless card I’ll never touch and a hit on my credit for applying. Don’t use them.

FNBO closed my account because they flagged a Microsoft 365 subscription as possible fraud. I forgot to call them back after I missed their call fraud. I lost almost 80,000 points because of this.

Maybe you should tell people they need to respond within a certain time frame or their account will be closed. I apparently called a couple of days after they closed it. What a horrible experience. I can't recommend them anymore.

Update: I already had talked to someone in the Fraud Department who assured me they would send an email to see about reopening my account. I never heard anything after that. It seems pointless to call again.

This company FNBO takes a long time to retrieve payments from my checking account. I have made two other credit card payments with other credit card companies and the funds have been removed from my account. These funds were paid after the payment from my FNBO credit card. FNBO was paid on the 17 th of June per my FNBO app but on 22 June no funds removed from my checking account. I believe they just want to get more interest on my FNBO credit card by delaying the payment to my checking account.

Horrendous bank. I`ve been a loyal Jeep Mastercard customer for 10 + years and all of a sudden they lowered my credit limit from 23K to $6,600 with 0 late payments, 0 delinquencies, 0 bounced checks. My account has been in PERFECT standing since account opening. They said that my credit score went down and my limits with other credit cards went up and that is why they slashed my credit limit with them. This can be catastrophic for people in need to use their credit card for emergencies. Criminal, unethical and scumbagish behavior from a supposedly reputable bank. They have 0 loyalty or appreciation for their customers. They claim to care and value their clients but their actions betray their words. Terrible, awful company to bank with. As soon as I pay my balance off with them I am canceling my card and I highly recommend you steer clear from them, you will regret ever getting involved with FNBO.

I have a five or six years credit card with MGMFNB. My credit will over $5000 limit. I use my card sometimes and I paid it off automatic payment the last payment somehow they did not take out automatic and there was late for one day after they called me, I made the payment. It was less than $20. They put on my credit that I was late. My credit is hundred percent I’ve never been late in other credit cards or any card payments call them explain the situation. They said they cannot do anything. I should talk to no one . They cannot find anybody to help you with this !!!!sucks. Do not open a credit card with MGM. I have a C card with them.
I have Cesarreward Cominty bank over $12,000 limit and I use it and I pay it all the time outo magic on time no problem.

sporadic ,uncertain,payment processing, useless powerless customer service to resolve any issue. Antagonistc company. Avoid

Do not get a scheels visa!!!!! Someone hacked my information to my visa and when i called their credit card company to tell them, FIRST OF ALL, the customer service people were Disgustingly rude.. Secondly, even though i asked to close that card, so it wouldnt happen again, they still said there were No errors and wouldnt reimburse me. It was only 9.99 twice. Someone charged uber monthly pass in Nov and again in march. They refused to part with 19.99?????? I closed the card as soon as i saw the email telling me so. To me thats ridiculous

I took out a heloc loan and the title company sent FNBO a check to pay off my credit card. After close to a month, I called customer service and they told me they did not have the check. The title company canceled payment and overnighted a new check. FNBO then attempted to cash the first check (the one the "didn't have.) and it came back NSF. I tracked the second check and it was received May 22nd. It is now June 10th and the payment has still not been applied. I called customer service and they said they do not have the check. I assured them they do, as I tracked the package and explained the first situation. The first check was received by FNBO April 27th, the second check May 22nd and still not payment has been applied and my account continues to gain interest. It is unethical.

Update June 23rd- FNBO still cannot find the check and the payment has not been applied, despite providing the tracking number, the day time, person who received the check, the check number and the check amount.

Customer service says they will follow up and then no phone call. They say they cannot email the accounting department only email and it's been 2 weeks.

The incompetence is truly scary. I've been trying to pay since April and it's almost July.

This is an untrustworthy bank. I would avoid it unless you like deception and con artists. My elderly mother in law has been a loyal customer for years. While hospitalized, a CD matured. They rolled the CD into a new one - with a .01% interest rate after she failed to respond to notice. Later when she discovered the con, they threatened that if she cashed out the cd she faced financial penalties. Very ominous. Turns out upon further questions, the penalty is $20 because the interest was negligible. This same bank sends mail to my elderly MIL despite us going to the bank twice asking for everything to be done online. They don't send statements but rather shady marketing. This bank is owned by near-billionaires who apparently want to squeeze another few hundred dollars from a long time customer in her 80s. Shame on FNBO, a con artist masquerading as an honest bank.

UPDATE: FNBO responded to my review with the same generic, copy-and-paste rhetoric they use for nearly every negative review—and there are plenty of them. Instead of posting canned responses that pretend to show concern, how about addressing the issues that keep generating so many negative reviews in the first place? Actions speak louder than scripted replies.

My experience with First National Bank of Omaha has completely destroyed my trust in this company. Having your credit limit reduced without any clear explanation is frustrating, disruptive, and makes it impossible to rely on this bank. It feels like customers are treated as numbers instead of people.
Before opening an account or credit card with FNBO, I would strongly encourage anyone to read the reviews on Trustpilot, ConsumerAffairs, and the BBB. Seeing so many people describe similar experiences should give any potential customer serious pause.
A financial institution should reward responsible customers with consistency and transparency—not surprise them with decisions that can negatively affect their finances, credit utilization and even credit scores. If this is how FNBO chooses to treat its customers, it's hard to understand why anyone would trust them with their business.
This has been one of the worst banking experiences I've had, and I won't be doing business with FNBO again. I cannot recommend this bank to anyone looking for a reliable financial institution.
A company's culture is reflected in how it treats its customers. Based on my experience, FNBO has shown a complete lack of transparency, accountability, and respect. I would strongly recommend looking elsewhere.

Much like many other people on here I started out really liking this card and they gave me a very generous credit limit of $12,000. I have made every single payment on time for over four years. I always pay above the minimum payment. And about six months ago, my credit score went down 10 points because I had some vet, emergency bills and put them on a credit card. FNBO dropped my credit limit. My credit score went back up after I paid that debt off and they increased it back by $1000. Last month I paid off $28,000 in debt my score went up to 750. And today I got a notice that they dropped my credit limit to $200 above what my current charges are. So now I am at about 98% utilization on that card when I was under 20% to start with. So apparently with this card company, if you pay off the majority of your debt and raise your credit score by 30 points, they decide to lower your credit limit instead of increasing it like every other company. Once this is paid off, I’m not going to be utilizing it anymore.

I contacted BP gas card from FNBO in mid April about a billing error. It is now June and my concern has never been addressed. Useless customer service.

FNBO will not release my payment to my account even though my payment has cleared my bank days ago. When I asked why this hold is being place Iva the rudest person I have spoken with (supervisor) would not escalate my call, would not provide me with any way to discuss my call further and then disconnected me.

I use this card because of their work with MGM and now I am starting to reconsider my future spend with MGM going forward.

When I asked for them to provide me with the reason for while my funds are being held she quite literally said that they don't have that information and that they don't have to tell me.

That is a huge transparency problem, that this bank will arbitrarily hold your funds, not inform you why, and not give you any way to appeal or unlock the availability of those funds.

FNBO has given me issues before but I have never dealt with someone so rude that is in a supervisor position. Especially to a long term customer who has made every payment on time.

Even when I had one returned funds request nearly 2 years ago I called them to inform them that a glitch with how their website uses radio buttons on mobile devices cause the issue, I don't know how I could be an a better customer, but they simply don't care and this not only shades my opinion of FNBO but of MGM.

What's more frustrating is a $164 payment I made after the $1400 payment was released and when I asked "well is there a limit on my payments and can you tell me what that is" they would not.

I informed them that I am taking a trip next week and need to use that card for my trip, the response was "well you are not taking the trip now so no".

Again, very rude, very dismissive of valid concerns from a long time customer, and a complete lack of transparency to the customer.

5/14 update:

I spoke to Lori from the executive team and the experience was not particularly pleasant.

All the same questions I had before (why are the holds happening, what policy changes caused this process on my account, what is the limit to avoid being stuck with constant holds, will the holds be lifted if there is an emergency or if I am stranded away from home) were not answered.

She did say she could see if she could possibly approve the release of the hold if I provided my bank account number and routing number.

Keep in mind she called me back from a different line then I was given by the previous supervisor and I frankly don't think anyone should be asking for my bank account number on an unknown line (which is why I asked for that number in the first place).

She later said all they need is the routing number but I don't have that readily available so she said she was going disconnect (hang up on me).

Second time now I have gotten that from a supervisor at FNBO.

Giving her the benefit of the doubt that she said account number instead of routing number (twice) in error, it is definitely something that should not be asked.

So now I am going to go grab my checkbook call back so she can put it into some sort of system to check if the hold can be released. Keep in mind the funds have already been paid by my bank on the 11th and they have stated that they have them credited to my account.

Apparently they simply don't trust that my payment won't be returned and the fact that the single time it happened was nearly 2 years ago and the fact that I called and went through how the issue occured, what they could do to fix it and ensure it doesn't happen again didn't matter at all.

And that is honestly one of my biggest pet peeves, when I take time out of my life to try to help companies fix broken processes and the company simply ignores them. It shows that the company does not actually value any real feedback to improve any processes or experiences, they are simply complacent.

Overall experience has been very poor and executive team is not improving this, only digging a deeper hole. Will update after next interaction. Already filed complaint and review on BBB as well.

5/14 Final Update:

Issue resolved although I am still very uncertain about why this issue happened and there seems to be no way to appeal or find out any additional information. Lori (who was much more understanding on the second call so I credit her with that) was able to release the funds and informed me of the process to do so in the future which the first supervisor Iva or the second supervisor should have been able to do and she understood my frustration of having to go through 4 separate people, file 2 reviews and a complaint with the BBB just to have a process done that should have taken 10 minutes.

Calls were recorded and I encourage FNBO to review them to identify training issues and policy changes to rectify issues like this.

I am leaving space below as since there is no real resolution to the root cause I am entirely uncertain if it will happen again and if it does I will update accordingly.

Awful bank, we were not able to set automatic pay, and we did it online, it didn't apply, then they reported our account late to Credit.

I would like to express my sincere appreciation for the outstanding assistance I received from Pria.

From the moment I reported my lost card to resolving questions about my remaining balance, Pria was incredibly helpful, patient, and professional throughout the entire process. She made what could have been a stressful situation feel smooth and manageable, and I truly felt supported every step of the way.

It’s not often that customer service stands out this much, but Pria went above and beyond. Please pass along my gratitude to her for her excellent care and attention.

Thank you again for having such dedicated team members.