Is First National Bank of Omaha fraud?

• Membership Fees - Customers may see charges for annual or monthly membership fees associated with specific accounts.
• Overdraft Fees - If an account goes into overdraft, customers can incur fees for each transaction that exceeds their account balance.
• ATM Fees - Using non-network ATMs can result in extra fees being charged.
• Foreign Transaction Fees - Purchases made in foreign currencies can lead to additional charges.
• Subscription Services - Automated payments for subscriptions linked to the account, such as Netflix or subscription boxes, can appear as charges.
• Merchant Charges - Customers may find charges from specific merchants they forgot about or mistook as canceled.
• Credit Card Payments - Charges from using FNBO credit cards that accrue interest or fees after the due date.
• Late Payment Fees - If a credit card or loan payment is missed, a late fee may be applied to the account.
• Service Fees - Certain services, like wire transfers, can incur fees that may appear on customers' statements.
• Account Maintenance Fees - Some accounts might have monthly maintenance fees if certain balance requirements are not met.
• Fraudulent Transactions - In some cases, customers may notice unauthorized charges due to fraud or identity theft.
• Loan Charges - Payments and fees associated with personal or auto loans may appear on statements.

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.