Is FNBO Rewards fraud?

• Monthly Maintenance Fees: Customers may incur charges for regular account maintenance, especially if their account balance falls below a certain threshold.
• ATM Fees: Using out-of-network ATMs can lead to additional charges.
• Overdraft Fees: Transactions that exceed the available balance can trigger overdraft fees.
• Subscription Services: Charges may arise from third-party subscriptions linked to the account, such as streaming services or gym memberships.
• Foreign Transaction Fees: Using the card for purchases outside of the U.S. can result in foreign transaction fees.
• Merchant Services: Charges related to purchases made from merchants that use FNBO for processing can appear under various descriptors.
• Online Purchases: Any purchases made online might show up as charges, including those from less familiar vendors.
• Automatic Bill Payments: Recurring bills set up for automatic payment may generate charges that customers may forget.
• Transfer Fees: Certain types of money transfers, especially expedited ones, can incur fees.
• Account Closure Fees: Charges may apply if an account is closed before a specified period.
• Service Fees: Some additional services, like wire transfers or paper statement requests, may carry associated fees.

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.

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.