fnbo.com

1.4
1.4 Based on 20 reviews

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Average Rating

1.4

/
5

20 Reviews

5 Star
8%
4 Star
0%
3 Star
0%
2 Star
0%
1 Star
92%

All Reviews

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Review Time

Joey Busen
Worst app to use for a credit card and worst customer service I’ve ever had with any company. Ever.

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.

1
Date of experience: Feb 19, 2026
David Januski
Recently had my credit limit dropped without notice causing me to be over limit. Poor communication

Recently had my credit limit dropped without notice causing me to be over limit.

Poor communication and no regard for impact on customers. Supervisor would not continue on line and said "it doesn't seem like we are getting anywhere in this conversation so have a good day".

Sometimes customers just need to vent when a company drops something on them with no notice that impacts their customers negatively.

Needs to train supervisors much better, you hang up when the customer is ready not when you decide that "your not getting anywhere".

Made every payment on time and recently paid account down to $0 but still lowered limit based on questionable details.

Frankly I expected this when I paid my account down to $0, they were not making as much money in interest on me but still having to process payments provide fraud prevention, etc. The way the did it though with no notice at 2 minutes before midnight really bothers me as it shows no regard for their customers.

I will keep the card for the time being but will heavily weigh into future decisions.

1
Date of experience: Feb 11, 2026
Alyson W.
Over a decade with this service, but it's been a disappointing experience.

After more than 10 years with this credit card service, I can confidently say it's the worst bank I've encountered. The wait times are extremely long, customer service is rude, and issues are never resolved. I've tolerated numerous problems over the years, but I'm finally done with this terrible bank. I'm switching to a different provider.

1
Date of experience: Jan 24, 2026
Macy Ross
Frustrating Experience with Customer Support

I needed to make an additional payment, so I called for assistance. I spent 35 minutes on the phone with a representative discussing the issue. I was informed it would be processed the next day, but that didn't happen. I tried calling back multiple times but couldn't reach anyone. The automated phone system is a nightmare, and the customer service is confusing at best and ineffective at worst. I will be transferring my balance to another lender. Shaking my head.

1
Date of experience: Jan 13, 2026
_Sills_10
Terrible customer support experience

I needed to make an additional payment and called for assistance. I spent 35 minutes on the phone with a representative who assured me it would be processed the next day, but it wasn't. I tried calling back numerous times but couldn't reach anyone. The automated phone system is frustrating, and their customer support is confusing at best and incompetent at worst. I plan to transfer my balance to another lender. Shaking my head.

1
Date of experience: Jan 09, 2026
Absolutely terrible customer service

This is the worst customer service I have ever encountered from a bank. They locked my account due to a returned payment, despite me making a new payment that was well over the amount due. They refused to unlock my account until I made yet another payment, which I did, only to be told it would take 8-10 days to process. Meanwhile, my medications are on hold. It's ironic they call it 'customer care' when it feels anything but. I can't wait to close this dreadful account later this year. Avoid them and warn your friends.

1
Date of experience: Jan 08, 2026
Shahaf
Unacceptable policies and staff

This institution has the worst policies and staff. I used it in connection with an airline that dropped its mileage program. However, they still charge an annual fee and refuse to refund if you cancel before the year starts.

1
Date of experience: Jan 07, 2026
A frustrating credit company experience

This is one of the most frustrating credit companies. Whenever I try to make a payment or pay off my balance, they claim that my bank stopped the payment, leading to late fees and reverse payment charges. Prepare for a chaotic experience every month. Please stay away from this company; trust me, you'll thank me later.

1
Date of experience: Jan 04, 2026
PA65
Great service at FNB location

Today, I attempted to cash a check from a company at an FNB location. Since I’m not a member, the banker had to verify the check with the company. Unfortunately, they weren't answering, so I was informed that I couldn't cash it until the next day. I wasn't upset as I understood the situation. The banker who assisted me went above and beyond, offering to leave a message for the company. Later, I received a call from him, and he really delivered. I was pleasantly surprised, especially considering the timing. Thank you for your excellent service.

5
Date of experience: Dec 23, 2025
Elektra Howard
Complicated membership fee cancellation

I admit it was my fault for forgetting to cancel my card before the annual fee hit. However, I want to highlight that they were willing to cancel but made me go through numerous calls and hoops over several days just to get my $99 back.

1
Date of experience: Dec 18, 2025

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