Card by FNBO

I am not a heavy user for this app and only use it for my estatements. However they work well with mint and I actually appreciate the two factor authentication and some minor customization hidden in the settings. They definitely ain’t no chase or discover for app smoothness, but it gets the job done and I have yet to have any issues like others have posted for this app. App is at most 3.5 instead of 5. UI definitely needs an overhaul and would recommend studying chases and discovers app cause I know you are seeing this developers. I know you can do it. Oh and add dark mode. Its 2021.

I have been using this card for 5 years. I originally applied for it when it was a Murphy’s gas card. It would give you 5 cents off a gallon of gas and since I went to Walmart a lot it was easy to just pull in and get gas. 2 years ago they stopped giving the 5 cents off but I still continued to use the card because Murphy’s was still the cheapest gas in town. Recently however, Murphy’s changed their card to FNBO and that’s where this 1 star review comes in. For some reason, this bank has decided to HOLD my payments HOSTAGE and NOT GIVE CREDIT TO MY ACCOUNT UNTIL THEY DECIDE TO DO SO. One time they held it for almost 3 weeks even though it was within the normal window for a payment to be made!! When I called customer assistance they were UNABLE to give me a reason for this only giving me a date as to when my payment would be released. In all of my years of using credit cards NO bank or credit service has EVER done this. So therefore I will no longer use this card and will be paying it off ASAP! It is my suggestion that if you have opened a FNBO credit account with them and are here to download the app, STOP NOW, CLOSE YOUR ACCOUNT AND FIND YOU ANOTHER CARD/BANK to do business with because this bank is NOT the one you want to do business with!!!

I have had this Sun Country FNBO card for about a year. Months back I was offered a 0% balance transfer offer. I took advantage of it. The next month and every month after I paid everything I charged that month plus extra money to lower the balance transfer. I received an interest charge even though I shouldn’t of. I spent some time on the phone and got the problem resolved. Now months later they stopped crediting the interest charges again. This time I had to deal with an obnoxious escalation support manager named Jake who says until the balance transfer is paid in full Sun Country FNBO will charge me interest every time I use that card, even if I pay the non-balance transfer off in full. Guess what? Not going to use that card. Besides being dishonest Sun Country FNBO has the worst customer service anywhere. Go to any other bank, they don’t charge you for balance transfers twice. Horrible customer service

I’ve had this card for a few years now and generally it’s easy to check your balance and make payments. The TouchID capabilities even work fairly well! However, Once the app randomly decides the log-in feature is busted, you’re out of luck. Even if you remember your password, it’s not likely to work and you’ll be asked to request a password change. Once you do online, you never get the email to actually reset that password. So, you’ll need to call and verify your information over the phone and have customer support do everything for you. What’s the point of an app or online portal again? Based on other reviews, FNBO will respond asking me to call them so they can assist. That’s the point, you shouldn’t need to call when they give you the option to reset your password online. Broken app, and clearly no efforts to improve it.

8/1/19 I am unhappy to report that I did not get an online banking or telephone support today because my name was not listed as my Special Needs son's Proxy/Account Manager even after my son authorized me on the phone with a telephone support a few months ago. According to the telephone agent today who took my call: my name is not showing on their end as an Account Manager and only as an authorized user This is an ANA card that I managed since I opened the account for him so he can use it when he travels to Japan to visit his Obachan yearly This is the first time I am disappointed with their customer service. ANAcard: please make sure your agents know the history of our calls and to update profiles as it was confirmed at the time of request. I expect my request to be added as an Account Manager next time I need help. Yes?

FNBO is a great starter credit card. Gives you options of much you wanna pay off and always tells you exactly when your next payment is due. The company is also very secure, letting you know ahead of time what you can use and what not to use. The app is also very easy to use and gives you your credit score for free, unlike other credit card companies. Truly do recommend this company as a first credit card for anyone if you have CNB&Trust.

Not really sure when siting in after trying to set up shows message to go to full site?? Very confusing I'm trying to set up for payment and doesn't go any further than that.? And when calling to ask what to do rep say she's not computer savvy, definitely not a comforting feeling when this was the only other option and then to be told a supervisor would get back to me in 48hrs prior to me calling. I marked one star due to the initial set up of the app. I've reviewed others and looks as if the site has crashed as well on the 17th of last month. Glad I'm ahead a month in setting this up and hope it gets resolved asap.. because the only other way to submit payment is by phone and of course there is a hefty charge for that. Not a very good way to start a business relations.

Just got my card today and had it activated and is now working with online enrollment and eventually downloading the app so I’m all set. However the site kept crashing and so is the app. It kept telling me that they just recently transitioned into a new version so I would like to be chill and will just try again maybe next week. Much to my dismay upon checking app reviews I came across a review the same as my concern and it was freaking 4years ago!!! So I was like the heck is that??? They never fix it or what? I also saw reviews with customers having a hard time making payments online which I never encountered with all my other credit cards. So I guess these are signs that I should just close this account 😔

I’ve been happy except that I have my checking account listed twice in payments, and I’m unsure what happened last year when I closed the account. I think the bank kept my card on file when I reordered a new one to stay away from problems at the bank. The attendant heard my story and never did anything to help. He must have assumed something about my credit since I was homeless.

I don’t like that you can’t schedule more than one payment on any given day. I pay out of different bank accounts and would like to make all my payments at one time. Other cards allow me to do this but with this card I have to remember to go back the next day or a couple days later to finish paying it from one of my other accounts. I wouldn’t mind if they made me schedule additional payments on a different date, just let me make them all at one time. Thank you!

... noticed that this Bank is so old-time in its operations... such a stodgy bank with archaic ideas of security precautions... been having problems with log-in from the start... have had to change passwords every time because the previous one would not be accepted on a subsequent visit... would not allow my browser to store password... finger print ID on iPad is not available because it will not allow the device to store the password... how exceptional is this bank from Citi, Chase, Cap 1? ... they allow password storage on personal devices.... mobility allows one the joy of not having to type in the ID and password... ... just my opinion.

Can you set up automatic payments on your mobile app to make sure you don’t miss appointment? No. When your car gets declined while making a business purchase do you get a notification or an alert? No do I have to reset my password if I don’t login after a while? Yes because it will lock you out of the system and then you have to spend 10 minutes on the phone getting somebody to unlock it…..What you cannot do from your phone you have to do it on a computer. Can’t wait to carrier on my computer all day long so I can access my bank account. Horribly designed app and the customer service tied to it makes it worse.

Right when i closed on my house.. all set to move in.. you guys decided to lower my credit limit.. it made things mutch more difficult.. thank you so mutch.. my balance with you is now zero.. and i have no incentive to use your card any longer Thanks guys.. had you done this a month sooner No big deal.. but your system chose to strike at the worst time possible.. so all squared up with you now.. and have other cards i now prefer to use Thanks a bunch!!!! P S.. as my account currently reflects.. i was always good for it.. i didnt need the extra stress it induced.. get back to me any time you wish to raise my credit limit to five thousand dollars

Great card. Great customer service. Customer service is US-based. I have no issue with foreign call centers. I do have an issue with people for whom English as a second language who don’t understand what I’m saying. Anytime I’ve called these guys. My issue has been resolved. One of my favorite lines from this company is somebody saying “I’m not sure, let me get someone who can help you”

Worst online banking I have, can’t get my user information to store in my phone. When trying to have my iPhone the world’s most popular phone to generate a very good password receive error messages that doesn’t meet criteria then when enter a simpler one it takes it yet still has no way to store in my vault nor does it have any way to use biometrics. This is one reason I don’t use this card much. It would be my preferred app and account since I got this account I have purchased three vehicles. Rewards are not very good either but that is not the fault of app however not being able to redeem without leaving the app is.

We began using yo bank in the last few months by switching from our other primary credit card to your bank because of your green card reward points program. However, we’ve been discouraged almost regularly based on the small credit limit, which did not match our last card, slow process to add secondary signer, and bad customer service and a inconvenient card block while traveling overseas even after communicating that trip to your representatives. Not sure how long will keep this card if things don’t improve.

Doesn’t seem to have any way to lock your card from the app like practically all other credit card apps. Also the new credit card activation button doesn’t require any verification, so if you happen to accidentally tap it your new card that you haven’t received is now activated. That’s definitely a security risk.

So apparently this company doesn’t value you as a customer and send you a new card when your old one expires! I called to find out why I hadn’t received my new card I actually received a denial letter in the mail after so many years of being a loyal customer and paying on my account when the acct was due. My debt to credit ratio may be higher than it should but I always managed to make at least the minimum payment. So if your looking for someone to not screwup your credit by closing your acct with them then don’t apply for credit with this company.

Nowhere on this app is there indication if your account is set up for auto pay. Additionally, there is no way to cancel auto pay through this application or through their website. I had to get an email saying my auto pay had been processed (after I had already paid the full balance), which then gave me a link to make changes to the auto pay. Customer service was not understanding at all of the situation, and now I'm stuck with a return payment fee. Would not recommend this app to manage payments for associated credit cards.

I have been using this bank and credit card for almost 10 years now it is how I built credit in the beginning when I had none and no one would give me any and now I own two cars and a house. Thanks again my friends.

During this Covid pandemic the majority of companies are offering ways to help people through this tough time, I however was fortunate enough to have options to keep paying my bills even being laid off from work for eleven weeks. But FirstBankCard randomly check my credit and decided that two personal loans I took out to be able to pay bills till I went back to work made me unfit to have their card and closed my account. But I’m glad to say, all of my debt is paid back off now and since they decided they didn’t want me as a customer, I’m very happy to retort that they will never get me as a customer again.

I was on hold today with online customer service for about 30 minutes as the 4 digit passcode was not working on my iPhone 10. I finally was transferred to technical support and found that the passcode is not working on the mobile app. However after updating IOS to 14.3 and deleting the app and reinstalling the First Bank app, both the 4 digit passcode and the Face ID are working.

Totally unacceptable service. I lost my card and called the 1-800 number for lost or stolen cards. The wait time to talk to an shan’t was over 1 hour, really someone could charge up a lot things in an hours time. I tried going online to see if I could cancel there. Could not find the option on the app so went to the full website where I proceeded to enter my long in information and all it did was spin and spin, after quite sometime if trying I finally got in to the site and hopefully my card got recorded as lost or stolen and a new one is being sent out as again today I can’t get into the websites.

When I’m logged into the app and click on the button to check reward points, it takes me outside of the app to an online area. I have to then login again. That defeats the whole point of having app related access. As I’m scrolling through it’s hard to grab pieces of information to be able to make comparisons and decisions. It’s more convenient when data is readily available to the user so they can figure out what they want to do

What I love most is the rewards!!! I love the convenience of having all of my transactions on 1 card and like I said most of all the rewards it gives me for using their card ❤️I pay it in full each month and reap the benefits of no interest and rewards point accumulating.

The system is quick and easy. Unlike other systems like Chase that make you go through several steps to get anything done. What’s more, you can call in and actually speak to someone directly and take care of anything you need.

I’m trying to log in on my account to view my balances and make an automatic payment but it keep saying that they are still trying to review my account and upon approval will get my new access. I have been calling them and trying to log in to my account and i keep getting the same messages. I have been using my card for 4 months now and they are still reviewing it? I wanted to access my account online cause i keep forgetting my monthly payment and wanted to check my charges.

I have two checking accounts that I pay from. I don’t see why when I want to pay with the second one the app removes my first one. Then I have to go back and get the bank routing info to add it back. I should have the option to store both accounts and be able to pick which one each time and not have to re-enter the info! Super annoying.

This card has great rewards , I use it for personal expenses and the app is easy to use , had a glitch trying to log in but it was quickly resolved as I entered the information manually . Overall , I am really pleased with thus card .

My credit limit has not changed in years even though I have never made a late payment. It is still as low as it was the first time I got the card.

I downloaded this app as a way of conveniently managing my new Jeep MasterCard. I can tell you now for the last three months the app has been useless. I haven’t been able to log into it and successfully make payments and end up going with the contact us option (calling the number that is located on the back of your card). It deserves one star since the app allows for a button click to do that and I don’t physically have to dial the number. THATS IT….this does nothing else for me

The app no longer worked on my iPad. Opened the site, then after a quick flash of my account home page, it showed a blank screen. Nothing. Nada. I had to delete the app, go to App Store, download and install the new version. I can’t remember the last time an update failed to update and instead just crashed the previous version.

When using the app at first it functioned as needed except it did NOT have anywhere on the app to set up auto-pay. After several months, the app will not let me log in, and instead directs me to log in through the website. When attempting to use the “contact us” link, it fails to load and directs me to try the website. Then their website has issues letting me log in. Why even offer an app if it’s going to go unfixed and continue to be unhelpful?

Your recent update to your app is the bomb, that is, it blew everything up. I now have to do a complete log-in every time I want to use the app. It won’t even hold my user name, let alone keep me logged-in. In trying to change my password, no message ever came to my email address. Most other apps have moved to facial id as an option. You appear to have gone backward. If the app can’t be used easily, I will stop using the credit card. Since Speedway was recently sold anyway, maybe that’s what is behind this.

I am a senior and this app is so easy to use. Plus my FNBO card was recently compromised. The toll free number didn’t require jumping through multiple button pushing and I received the most wonderful clear to understand customer service

Easy to use, never had problems with payment, haven’t had to use the customer service support line. But the app is easy to navigate and super easy to connect several accounts/cards to

My online banking password magically stops working every month or two. I’m not changing my password, it’s written down so as not to encounter this issue yet it always happens. On top of this the reset password button on their website is broken and there’s no way to contact them easily as stated in previous reviews. If you have this credit card, don’t use the app, sadly I’d suggest paying by check. This is also why I don’t use this card very often, it’s kind of a nightmare

I called them 4 weeks back, asked for a new card because previous one was damaged. Accepted my request and told me they will send new one in mail. Waited for 4 weeks, I didnt get my credit card. Called them back today, they tell me they closed my account back in December and sent me mail. I didn’t received any mail from them and if they closed my account back in December how a month ago they told me they wi send my credit card. So unprofessional.

This app always works never do I ever have a hassle or a loop with regard to passwords and forced activities. It never loses track of my saved account and password info or the bank that I want to pay from. Great job on this!

I think you have one awesome team members. They had a lot of patients with me trying to change my new account number and figure out a new password! There amazing! Thank you so much Karen Collins

Provides Touch ID for login, allows access to charges the same day, and past statements on my account, I enjoy the app. Just looking forward to features like text alerts and travel notifications on the app if it’s done.

For my protection I would like to be able to lock and unlock the card as needed from my phone. I’m able to do this from my computer but don’t travel with it. I’m able to do this with my other card and very satisfied with it.

What a disappointment FNBO has become. I have been a long standing customer with an excellent credit rating. Then I went through a rough patch. Paid my balance off and then after two legitimate charges they closed my account. Interesting how quickly they want your interest but at first question on their part after they’ve collected said interest they close your account. No faith in big box banks anymore!!

It does what I need but I wish there would be a way to have multiple account sources to pay. I’m tired of each week changing my account information to do a payment. why cant I have both my bank accounts tied to it? I also wish I could schedule more then 1 payment.

This was my first credit card company long ago before they created the app. When they did launch it there was always issues and poor functionality. I paid off my balance and didn’t put any charges on there (paying off debt is a bad thing now I guess) and they cancelled my card within a coupe of months without any warning because of lack of use.

I initially enjoyed using the app, it was easy to navigate and saved my payment preferences however it’s been nearly a year since I’ve been able to make a payment on the app, says to use the website which I’ve tried and I cannot pay there either. Have to call to pay and it’s getting old.

My Wifes constantly reminded to help her out with an Oil Change. And always reminds me to use my BP Rewardsme by 🍏Pay. But I’m constantly returning to the store because she always says, “not. the right. Oil!” but plays this game with me and never gives me any clues…

I wish I never got this card and the app is just as bad. You cant add multi accounts to pay with so you have to add the all new information when you want to pay from a different account. I did this and it said Except it and it took the payment out of the previous account add. I’m not able to prove my statement because the app doesn’t send you emails of payments or payment details. I’m so disappointed and now I have to pay over draft fees

I can’t connect my Speedway account to my card. Which is why I got the card. I have called and they said they would “write a ticket” about it but I’ve never heard anything back! That was over a year ago!

FNBO gave out our credit card number without our authorization and then do not want to dispute the charges that were not authorized. Then want to change our credit card number so the place they allowed the charges from can’t do it again. This is a new card taking the place of a previous credit card so no one should have been given the new number except by me.