Is FNBO Credit Card fraud?

This article and service are not officially affiliated with First National Bank of Omaha

The Guide to Understanding Why You Were Charged By “FNBO Credit Card” and What To Do About It (fnbo.com)

Bella Khan, Subscription Cancellation Expert

Published January 31, 2026

Last updated January 31, 2026

1 min read

What is "FNBO Credit Card"?

First National Bank of Omaha, or FNBO, offers a variety of banking services like checking and savings accounts, credit cards, and loans. They also have features for subscriptions and bill payments that make it easy to manage your finances. If you see a charge from them, it might be related to your credit card or any services you’ve signed up for. It’s important to check your statements to keep track of what you're paying for.

FNBO: First National Bank of Omaha, which is the financial institution behind the credit card.
Credit Card: A type of payment card that allows you to borrow money up to a certain limit to make purchases or pay for services.

Verify With Receipt

The best way to tell if this charge is fraudulent is to find the receipt. You may have an electronic copy of the receipt, which Chargeback can help you find by searching your email accounts.

Chargeback helps you identify unwanted subscriptions and charges, and help you fight them to get your money back.

Why do people get charges like this from First National Bank of Omaha?

Subscription Services: Users often report charges from subscriptions they may have forgotten about, such as streaming services, magazines, or apps.
Online Purchases: Transactions from online shopping can sometimes lead to unexpected charges, especially if users are unclear about their spending.
Recurring Payments: Some users mention charges from automated billing for services like gym memberships or utility payments.
Foreign Transaction Fees: Customers traveling abroad have experienced additional charges due to foreign transaction fees on purchases.
Unauthorized Charges: Instances of fraud or identity theft have led to unrecognized charges, prompting users to report them.
Annual Fees: Certain accounts may have annual fees that users might overlook or misunderstand when opening their accounts.
ATM Fees: Charges from using out-of-network ATMs can also appear on statements unexpectedly.
Late Payment Fees: Failing to pay on time can result in late fees being added to the account.
Membership Fees: Memberships in loyalty programs or other associations might have associated fees that can cause charges.
Service Charges: Monthly service fees for account maintenance if minimum balance requirements are not met.

If I see this charge, what should I do?

If you see this charge and aren’t expecting it, you have various options.

First, try to contact the fnbo.com via one of the support methods we listed below and inquire about the charge. See if they will refund it and cancel any associated subscriptions you might have.

If the fnbo.com refused to issue a refund or you cannot get in touch with the company, call your bank or financial institution and open a credit card dispute. Record screenshot evidence from your prior conversations with fnbo.com, and use that to open your credit card dispute. Tell your bank or credit card issuer that you do not recognize the charge and do not recall signing up for the service.

If this sounds like too much of a hassle, you can have Chargeback do it for you.

First National Bank of Omaha Customer Service Info

If you need assistance, here's how you can get in touch with First National Bank of Omaha's support team.

Phone

1-888-401-6568

customerservice@fnbo.com

Site

https://www.fnbo.com/support/

Disclaimer

Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.

The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.

Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.

Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company’s terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.

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What other ways do charges from First National Bank of Omaha show up?

FNBO First National Bank Omaha FNBO Omaha fnbo.com First National Bank FNBO Debit FNBO Credit FNBO Online FNBO Merchant FNBO Services FNBO Transaction FNBO POS FNBO Purchase FNBO Payment FNBO Transfer FNBO ATM Withdrawal

The Easiest Way to Cancel First National Bank of Omaha

If you're frustrated trying to cancel your subscription, membership, or bill from First National Bank of Omaha—or if you didn't even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we'll take care of the rest.