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. Ge... See more
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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... See more
Company replied
This is a wicked terrible customer service credit card company. The personnel have no empathy for their valued customers. I was extremely disappointed with their call center CRS agents as they can nev... See more
Company replied
I needed to make an extra payment. I called. I wrestler on the phone with a woman for 35 minutes about it. Said it would posted the next day. It wasn't. Called back repeatedly, but could not get anybo... See more
Company replied
1.4
Bad
123 reviews
Replied to 96% of negative reviews
Typically replies within 1 week
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False Charges on FNBO credit card and Incompetent Review
I was issued a FNBO credit card. Had it strictly as a backup card.
I never used it. Never gave the numbers to anyone. Never put the card in my wallet. In fact the card is still attached to the letter in which it arrived.
Somehow, someone started using the card. Either a bad actor within FNBO or FNBO was hacked (not sure which would be worse. Cancelled the card and was issued a new one. FNBO transferred charges from the old card. Eventually FNBO did an investigation. Which apparently solely consisted of asking the companies if they provided services to someone. So FNBO upheld the charges.
- incompetent security
-complete failure of fraud protection
-complete lie of zero liability
-incompetent investigation.
I graduated law school with honors. I have an 838 credit score. I do not make allegations lightly. But I personally recommend that no one does business with FNBO.
12 April 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
W.T. thank you for bringing your fraud concern to our attention. We truly understand how incredibly stressful and concerning it must be to discover unauthorized charges on a card you never activated or used. We can only imagine how frustrating this entire experience has been for you, from the initial fraudulent charges through the investigation process.
Your detailed feedback about your experience with our fraud protection and dispute investigation is important to us, and we genuinely appreciate you taking the time to share these serious concerns. We take matters like this very seriously and understand the impact this has had on you.
We'd sincerely like the opportunity to review your case and address your concerns about the fraud investigation and disputed charges directly. Please call us at 888-530-3626 (available 24/7) and ask to speak with the disputes department so they can thoroughly review this matter with you.
We truly appreciate you bringing this to our attention and sharing your experience with us.
Abysmal customer service
I have the Amtrak credit card through FNBO. Everything about their customer service is atrocious. Their systems for routine activities (like creating a digital wallet card) are antiquated, requiring a phone call. Their web app is outdated. Their customer outreach is poor, and they don't seem at all invested in making customers happy when something goes wrong. I hope Amtrak switches vendors for this card.
3 April 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Richard, thank you for your feedback about your experience with us. We genuinely understand your frustration and appreciate you bringing your concerns to our attention.
We would truly appreciate the opportunity to discuss your experience. Please call us at 888-530-3626 (available 24/7) so our team can assist you.
We genuinely value your feedback.
DONT DO BUSINESS WITH THIS BANK!!!
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.
26 March 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Gian, thank you for bringing your balance transfer concern to our attention. We genuinely understand how frustrating and stressful this situation must be for you, especially when dealing with delayed funds and payment expectations.
We'd like the opportunity to discuss this situation with you. Please call us at 888-530-3626 (available 24/7) and our team will be happy to assist you.
We truly appreciate you bringing this to our attention.
Absolutely horrible
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!!
31 March 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Mike, thank you for bringing your fraud alert concern to our attention. We truly understand how stressful and concerning it must be to discover fraudulent activity involving your information.
We genuinely would appreciate the opportunity to assist you. Please call us at 888-530-3626 (available 24/7) and ask to speak with the fraud department so they can help address your concerns.
We appreciate you bringing this to our attention.
Called customer service to resolve a mystery charge
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.
28 March 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Christopher, we're truly sorry to hear about your experience with the disputed charges and your card cancellation. We genuinely understand how frustrating and inconvenient this situation must be for you.
We'd like the opportunity to review your account and address your concerns directly. Please call us at 888-530-3626 (available 24/7) so we can discuss this matter with you.
We sincerely appreciate you bringing this to our attention.
Great Service
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.
25 March 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you so much for this wonderful review! We're thrilled to hear that Stephan Silvestre provided you with such outstanding service.
I've personally made sure the branch manager is aware of your excellent experience with Stephan. Your feedback about his knowledge, professionalism, and efficiency in helping you open your business account means so much to our team. We're proud to have team members like Stephan who go above and beyond to make important processes easy and stress-free for our customers.
We truly appreciate your business and thank you for taking the time to share your experience. Welcome to the FNBO family, and we look forward to supporting your business needs!
As far as I'm concerned these guys are…
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!
19 March 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you for taking the time to share your feedback. We sincerely apologize that your experience with FNBO hasn't met your expectations. Your concerns are important to us, and we'd genuinely like the opportunity to address these issues directly and work a resolution. Please contact us at 800-642-0014 so we can review your account, discuss any concerns you've encountered, and explore options that might better serve your needs. We're committed to improving our service, and your feedback helps us identify areas where we can do better.
Reading the reviews
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.
16 March 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Brandon, thank you for taking the time to share your detailed feedback about your experience with us. We genuinely understand how frustrating it must have been to encounter these payment access issues, especially when you were simply trying to make a payment on your account.
We'd truly appreciate the opportunity to review your experience and address your concerns directly. Please call us at 888-530-3626 (available 24/7) so we can discuss this situation with you.
We sincerely appreciate you bringing these concerns to our attention and value your feedback.
Customer service poor
Customer service is the worst I have ever experienced with any bank. The local branch personnel are excellent, but the corporate folks are abhorrent.
11 March 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you for your feedback about your experience with our customer service. We understand how important it is to receive consistent, excellent service across all touchpoints.
We're glad to hear that our local branch team has provided you with excellent service. For assistance with any concerns about other areas of our service, please give us a call at 800-642-0014 (available 24/7) so we can address your experience directly.
We value your feedback and appreciate you taking the time to share it with us.
There is a major problem with the…
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).
20 February 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you for your feedback regarding your dispute experience. We understand how frustrating it can be when you feel the dispute process isn't working smoothly, and we genuinely appreciate you bringing these concerns to our attention.
For assistance with credit card disputes and to address your specific concerns about your case, please call us at 888-530-3626 (available 24/7) so our team can review your situation and work to resolve any outstanding issues.
We value your feedback and want to ensure you receive proper assistance with your dispute.
Knowingly Participates in Fraud
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.
9 March 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you for bringing this to our attention. We're genuinely sorry to hear about your experience with a potential fraudulent credit inquiry and account. We completely understand how distressing and frustrating this situation must be for you, and we do take fraud matters very seriously.
For immediate assistance with this fraud concern, please call us at 888-530-3626 (available 24/7) so our fraud department can work with you to review this situation and take appropriate action right away.
So you tell me I need to wait 30 days…
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.
10 February 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you for your feedback and your question about the overpayment refund timeframe. We understand how important it is to have clarity on processing times and when you can expect to receive your refund.
For specific information about your refund timeline and to get accurate details about your account, please give us a call at 888-530-3626 (available 24/7) so we can review your account and provide you with the exact timing.
We're here to help clarify this for you.
Reply from FNBO (First National Bank of Omaha)
We're truly sorry that you've decided to leave after being with us for years. That's not the relationship we want with any customer, especially one who's been loyal for so long.
We take feedback like this seriously, and we'd genuinely like to understand what happened so we can address it. If you're open to it, please reach out to us directly at 800-642-0014 (24/7) so we can look into your concerns and see if there's anything we can do to help resolve the situation.
We appreciate the time you spent banking with us and wish you well.
Terrible credit card company
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.
26 February 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you for taking the time to share your feedback. We sincerely apologize that your experience with our credit card services hasn't met your expectations. Your concerns about fees and customer support are important to us, and we'd genuinely like the opportunity to address these issues directly and work toward a better resolution. Please contact us at 888-530-3626, 24/7, so we can review your account, discuss the specific concerns you've encountered, and explore options that might better serve your needs. We're committed to improving our service, and your feedback helps us identify areas where we can do better.
Refund Shouldn’t Take a Month
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.
19 January 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you for taking the time to share your experience with us. I'm truly sorry to hear about the frustration you've encountered trying to receive your refund — I completely understand how disappointing it must be to follow up multiple times on something that should have been straightforward.
You're absolutely right that you shouldn't have to chase down your own money, and I can only imagine how inconvenient this has been over the past month. While I'm glad to hear our team has been polite in their interactions with you, I recognize that doesn't make up for the delays and confusion you've experienced.
Your feedback is invaluable in helping us identify where our processes can improve. We appreciate your patience as we work to get this resolved for you, and we're committed to making sure your refund reaches you as quickly as possible.
If there's anything else we can do to assist you or if you continue to experience issues, please don't hesitate to reach out directly. We truly value your business and hope to restore your confidence in our service.
Thank you again for bringing this to our attention.
This bank is a joke
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.
24 February 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
We appreciate you taking the time to provide feedback, and you may rest assured that it has been shared appropriately. If you have any other questions, concerns, or feedback, you can give us a call at 800-642-0014 or submit a secure message after logging into our full website.
Never there when you need them - Stay Away
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.
30 July 2025
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you for taking the time to share your experience. I'm truly sorry to hear about the difficult situation with your VOIP provider—being misled by a company you trusted, especially one that suddenly closed, is incredibly frustrating and stressful.
I understand how disappointing it must feel after being a loyal customer for over 15 years. While I can't speak to the specifics of your case, I want you to know that dispute timeframes are typically governed by card network rules (Visa/Mastercard) and federal regulations, which require claims to be filed within certain windows. These aren't bank-specific policies but industry-wide requirements designed to balance consumer protection with fair resolution processes.
That said, your experience matters to us. If you'd like to discuss your situation further or explore if there are any other options available, I'd encourage you to reach out to our customer service team directly or ask to speak with a supervisor who can review your account history and circumstances.
We value your longstanding relationship with us and genuinely want to help where we can.
NEVER USE FNBO IF YOU WANT TO KEEP YOUR SANITY
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.
19 February 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you for taking the time to share your experience. We're truly sorry to hear about the frustration you've encountered with account access and email verification. We understand how important it is to have reliable, seamless access to your account, especially when managing payments.
While we can't speak to the specific circumstances of your situation in this forum, we want to help resolve these issues. One thing that may help is to use text instead of email. It is often faster and doesn't go into your spam folder like email can. If you're still experiencing difficulties with account access or account information updates, please reach out to our dedicated support team at 888-530-3626. They'll be able to review your account details securely and work toward a solution.
We appreciate your feedback as it helps us identify areas where we can improve the experience for all our customers.
Another issue.....
Another issue, they issued me a new card but even though I haven't activated it yet they preemptively updated my expiration in one system to the new card (though they assured me that the new card wasn't already active even though the customer service rep accidentally said it was active early on in the call) but apparently not another. So certain online payments will work like Amazon and Square, while others will not and it looks to be pretty random.
They don't seem to have real good answers to any of my questions.
After I get the card I am going to try a purchase without activating it to see if it really wasn't active already because if it was already active before I received it that is a pretty serious issue.
Guess will have to wait and see...but not great feelings with FNBO...do better please.
14 February 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you, David, for taking the time to share your feedback with us. I understand how frustrating it can be when card updates don't work seamlessly across all platforms, and I appreciate your patience as you work through this situation.
Regarding your new card, the system update you're experiencing with some merchants is actually a standard security feature designed to help prevent payment disruptions. Many merchants participate in what's called an "account updater" service, which automatically receives new card expiration dates to ensure your recurring payments continue smoothly. However, not all merchants subscribe to this service, which can create the inconsistency you've noticed.
I understand this hasn't been the experience you were hoping for, and I'm sorry the situation has been confusing. If you continue to have concerns after activating your card or if you'd like more detailed information about how your account is being handled, I'd encourage you to reach out to our customer service team again at 888-530-3626. They'll be happy to walk you through the specifics of your situation.
We value your business and appreciate the opportunity to address your concerns.
After years of banking with FNBO I have had enough
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.
14 February 2026
Unprompted review
Reply from FNBO (First National Bank of Omaha)
Thank you for taking the time to share your feedback. We understand this experience fell short of the service you've come to expect from us over the years. Security measures are essential to protecting our customers' accounts, but we recognize how challenging it can be to manage banking needs from a distance.
We value the relationship we've built with you and would welcome the opportunity to discuss this further and explore solutions that might work better for your current situation.
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