Reviews

This profile includes reviews for First National Bank of Omaha (FNBO)'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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First National Bank of Omaha (FNBO) has 101 locations, listed below.

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  First National Bank of Omaha (FNBO)

  1620 Dodge St Omaha, NE 68102-1593

  
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  First National Bank of Omaha (FNBO)

  1501 N 84th St Lincoln, NE 68505-3117

  
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  First National Bank of Omaha (FNBO)

  102 S Locust St Glenwood, IA 51534-1775

  
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  First National Bank of Omaha (FNBO)

  1820 23rd St Columbus, NE 68601-3424

  
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  First National Bank of Omaha (FNBO)

  124 W 3rd St Alliance, NE 69301-3302

  

Review Details

• Review frommelody h

  Date: 07/01/2025

  1 star

  melody h

  Date: 07/01/2025

  I reached out to this bank as I returned an item over a year ago and chose to use Slice by FNBO as payment at the time. However, because I returned the item back, the payment arrangement should have been null and void. Unfortunately, the return was a few cents off which caused a payment due a whole year after the return. I have been in touch to have the amount voided out as this is a clerical error, and after two weeks and multiple emails/phone calls, I have not received any response whatsoever.
  

  First National Bank of Omaha (FNBO)

  Date: 07/02/2025

  ******, thank you for
  taking the time to leave a review. We understand your frustration and apologize
  for the delay. We can confirm your account is now closed and no further action
  is required. Thank you for your feedback and we appreciate your patience. 

• Review fromJudy N

  Date: 06/23/2025

  1 star

  Judy N

  Date: 06/23/2025

  I had some fraudulent charges on my account that while in investigation still had to pay for them. They called it a dispute and not fraud. Don't get a credit with this company. You'll have to be on hold for a long time. It says 2 mins and end up 32 mins. Ask for a supervisor and won't let you talk to anyone.
  

  First National Bank of Omaha (FNBO)

  Date: 06/25/2025

  ****, we appreciate you taking the time to voice your concerns, and we have made sure to share them appropriately to help improve our services in the future. Please be aware, while charges are being investigated as fraud, or in a dispute, you are not responsible or liable for them. If credit is provided for these charges, we will also refund any fees or finance charges that occurred by, or due to, them.
  
  
  
  If you have any further questions or concerns about the investigation, you can call our Disputes team at 888-238-5070, and they will be happy to help. Please keep in mind, all calls are answered in the order received, and we apologize for any inconvenience caused by hold or wait time.

• Review fromNelson C

  Date: 06/21/2025

  1 star

  Nelson C

  Date: 06/21/2025

  Applied personal loan from FNBO. They approved my loan. They said they sent out my check by USPS on 6/3/2025. I never received it. But the only I received was payment bill. I called them to cancel my loan account. Bed experience doing with this bank.
  

  First National Bank of Omaha (FNBO)

  Date: 06/23/2025

  Nelson, we're sorry to hear about your experience, and we've made sure to share it appropriately. To see what options may be available for this check, you can call us at 888-530-3626. We will be happy to help.

• Review fromjames a

  Date: 06/14/2025

  1 star

  james a

  Date: 06/14/2025

  Been on the phone for hours trying to reach the fraud department. Of course they sent the letter so it would arrive over the weekend, hold does like this your approximate wait is 15-20 minutes, then 5-10 minutes then we’re back up now 10-15 minutes then 15-30 minutes, you would die on the phone before anyone would ever answer the phone, I’m just going to cancel my credit card, I refuse to be treated like crap by a multi million dollar corporation.
  

  First National Bank of Omaha (FNBO)

  Date: 06/16/2025

  James, we're sorry to hear about your experience, and we've made sure that it has been shared appropriately. All calls are answered in the order received, and we apologize for any inconvenience caused by hold or wait time. If you have any other questions or concerns, please do not hesitate to call us at 888-530-3626, or submit a secure message from our website, and we will be happy to help.

• Review fromLisa F

  Date: 06/11/2025

  1 star

  Lisa F

  Date: 06/11/2025

  I hate this card so much. I had an Amtrak Guest rewards Card since the 1990s because I take the train a lot. It was originally with MBNA, then Bank of America, then a few years ago switched to FNBO. I have had nothing but trouble since they switched to FNBO. My very first payment was listed as late, even though I paid it the day I got my bill. I called and they explained it was probably because the mail was late due to COVID. I thought this was strange because it was 2023, but I gave them the benefit of the doubt. Well, the same thing happened the next month. This time I kept track of the date I mailed my check and on the next statement my check was listed as received 14 days after I mailed it! Impossible. When I called to complain, they offered to refund the late fees and recommended I start automatic payment. I did not want to do this but did not want to fight with them every month, so I agreed. Despite the fact that I pay my bill in full with automatic payment every month, they still decline my card a few days before and a few days after the due date. The excuse is that I am close to the limit and they have to wait for the payment to clear. It is embarrassing and frustrating to have your card declined EVEN THOUGH THE BILL WAS PAID ON TIME IN FULL! 2 months ago I called to have my due date moved up and my credit limit increased l, hoping that would help. Well, this month my automatic payment was posted 6/1 but my card was declined TODAY 6/10. When I called they said it takes 10 daysfor the payment to clear because there was an overdraft on my account. When I said that this did not make sense, since I have the money in my account and have automatic payment, the rep began to berate me for having an overdraft. I never had any issues with a credit card before! I am thinking of closing but I really like getting the Amtrak points. Sigh.
  

  First National Bank of Omaha (FNBO)

  Date: 06/12/2025

  Lisa, we're sorry to hear about your experiences, and that you are not satisfied with our services. We've made sure to share your review with the appropriate teams to help improve our services in the future. If you have any other questions, concerns, or issues, please do not hesitate to call us at 888-530-3626, or submit a secure message from our website. We will be happy to help.

• Review fromOrlando R

  Date: 06/10/2025

  1 star

  Orlando R

  Date: 06/10/2025

  FNBO rejected my credit card application and gave extremely vague reasons after sending a letter a week later. I had a credit score over 800 (lowered thanks to the hard inquiry on my credit) and said their point system determined that my application scored too low. I had my first credit card for over 5 years and never missed a payment. When I called and asked for clarification on their system or qualifications for approval, they quoted a "proprietary information" policy that prevents them from elaborating further. It was almost like they found every excuse they could to deny me and even said a credit score is "just a guideline and doesn't guarantee anything". They have such a conservative approach to customer service. I wouldn't be surprised if there are some undertones outside of the vague reasons that caused my denial. I decided to do additional research after my phone call and it is no wonder why they barely have a 2 star rating at the BBB or any other website. Would give 0 stars if allowed.
  

  First National Bank of Omaha (FNBO)

  Date: 06/11/2025

  Orlando, we appreciate you taking the time to voice your concerns, and you may rest assured that they have been shared appropriately to help improve our services in the future. If you have any other questions or concerns, please do not hesitate to call us at 888-530-3626. Our Specialists will be happy to help.

• Review fromJon H

  Date: 06/04/2025

  1 star

  Jon H

  Date: 06/04/2025

  Dee and Ruby cannot seem to understand the English language. Apple admits to fraudulent charges and FNBO wants to cost me thousands of dollars to remove the small fraudulent charges on my account. Pathetic service.
  

  First National Bank of Omaha (FNBO)

  Date: 06/05/2025

  We're sorry to hear about the service you received, and appreciate you taking the time to bring it to our attention. We've made sure to share your message with the appropriate teams to improve our services going forward. 
  
  
  
  If there are charges on your account that are not yours, you can call us at 888-530-3626, and we can have that card number closed and a new card number issued for your account. This helps ensure the security of your account and prevent further unauthorized charges. At that time we can also have any charges flagged for investigation by our Fraud Department.

• Review fromMeredith B

  Date: 05/28/2025

  1 star

  Meredith B

  Date: 05/28/2025

  They're the worst. They signed me up for a promotion and allowed me to use the card, then canceled it three days later, just before I reached the $500 mark needed to receive the statement credit. What a convenient coincidence. They can't tell me why. I will never bank or use a card underwritten by them again. I highly recommend you don't either.
  

  First National Bank of Omaha (FNBO)

  Date: 05/29/2025

  Meredith, we appreciate you taking the time to voice your concerns, and we have made sure to share them appropriately. If the decision is made to close an account, a letter is mailed that explains why the decision was made. If you have any additional questions or concerns, or do not receive this letter, you can call us at 888-530-3626. We will be happy to help.

• Review fromRudolf S

  Date: 05/25/2025

  1 star

  Rudolf S

  Date: 05/25/2025

  What FNBO does to its customers is truly dishonest and disgusting. They have lowered my credit limit twice in one year, which is hurting my credit score. Okay. I am going to pay off the card and close it. Never contact me again with your banking services.
  

  First National Bank of Omaha (FNBO)

  Date: 05/27/2025

  Rudolf, we appreciate you taking the time to voice your concerns, and we have made sure to share them with the appropriate teams. If the decision is made to lower an account's credit limit, a letter is mailed that explains the factors that led to the decision. If you have questions, or have not received this letter, you can always call us at 888-530-3626, or submit a secure message from our website. We will be happy to help.

• Review fromSanta S

  Date: 04/16/2025

  1 star

  Santa S

  Date: 04/16/2025

  False Promises, Zero Support – Avoid This Card
  Applied for the Universal Rewards Signature Visa while buying park tickets — approved instantly, but then told I had 10–15 minutes to complete my purchase or wait for the physical card. No heads-up about saving it to a digital wallet, no virtual card option, nothing.
  Called customer service hoping they could expedite the card since I was traveling the next week — nope. Asked if they could provide a virtual card like literally every modern bank does — again, nope. Tried to get retroactive points by showing proof of my Universal visit — yet another nope.
  Worst part? They couldn’t even look up my account because I didn’t physically have the card yet. Absolutely no help, no solutions, no attempt to make things right. Just a bunch of canned “sorry, unfortunately...” responses that went nowhere.
  What’s the point of offering a rewards card if I can’t use it when it actually matters? Their system was smart enough to offer the card during checkout — it should’ve been smart enough to see I was traveling soon and offer a virtual version or at least prioritize shipping.
  I’m missing out on points, discounts, and perks I signed up for — and they couldn’t care less. Once I pay off the balance, this account is gone. I wish I’d read the other one-star reviews first — clearly, this is a pattern.
  Don’t waste your time. Poorly run program, outdated tech, and customer service that couldn’t care less.
  

  First National Bank of Omaha (FNBO)

  Date: 04/18/2025

  Santa, we’re sorry to hear about your experience and
  truly appreciate you taking the time to share your feedback. We’re always
  looking for ways to better serve our customers and have passed your comments
  along to the appropriate teams to help improve our services moving forward.
  
  Based on what you've shared, the best solution would be
  to give us a call at 888-530-3626. One of our Specialists can close the card
  currently in the mail and issue a new one. At that time, you can ask about
  expedited shipping options or request to have the card sent to an alternate
  address, such as your hotel.
  
  We hope this helps and we apologize for the
  inconvenience.