Is First National Bank Omaha fraud?

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The Guide to Understanding Why You Were Charged By “First National Bank Omaha” 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 "First National Bank Omaha"?

First National Bank of Omaha, or FNBO, is a friendly bank that offers a variety of services like checking and saving accounts, loans, and credit cards. If you see a bill from them, it might be for things like monthly fees or loan payments. They also help you manage your subscriptions and bills conveniently through their online banking services, making life a little easier!

First National Bank Omaha: The name of the bank where the transaction took place or the entity you're dealing with.

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?

Monthly Fees: Customers may incur monthly maintenance fees for certain account types.
Overdraft Charges: Accounts that go negative may attract overdraft fees.
ATM Fees: Using out-of-network ATMs can lead to additional charges.
Foreign Transaction Fees: Purchases made in a different currency can incur extra fees.
Subscription Services: Recurring payments for services (like streaming or memberships) linked to the bank account may appear as charges.
Merchant Transactions: Purchases from places like retailers, online shopping sites, or restaurants linked to the account.
Loan Payments: Automatic withdrawals for personal loans, mortgages, or credit lines can generate charges.
Service Charges: Fees for special services like wire transfers or stop payments on checks.
Fraudulent Transactions: Sometimes customers notice charges due to unauthorized use of their accounts.
Account Maintenance Fees: Fees associated with maintaining a specific account type or balance requirement.
Insufficient Funds Fees: Insufficient funds when attempting to make a payment can lead to associated fees.

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

1-800-642-0014

customercare@fnbo.com

Site

https://www.fnbo.com/contact-us/

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 OF OMAHA FNBO Omaha FNBO Credit Card FIRST NATIONAL BANK-OA FNBO DDA FNBO POS Transaction FNBO Online Payment FNBO Debit Purchase FNBO ATM Withdrawal FNBO Bank Transfer FNBO Mobile Deposit FNBO Service Charge FNBO Account Fee FNBO Interest Payment FNBO Overdraft Fee

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.