FAQs for Business Credit Card Accounts

Select the categorized tabs below to help you find answers to common business credit card account questions. If at any time you can’t find what you’re looking for, contact us in a variety of ways utilizing our Contact Us Center.

Business Credit Card FAQs

Yes. If you need a new or replacement card, your company's Administrator may request it in the Customer Service requests section of the site. If your card has been lost or stolen, call us immediately at 800-477-4941.

Our credit department reviews and approves all requests for additional cards. Upon approval the additional card will be sent. The delivery times will vary depending on your location. Cards will be mailed out within 48 hours from the date of the request.

If you lose your card call us immediately at 800-477-4941 for assistance. If you are calling from outside the U.S., call us collect at 402-346-1553. We'll block your account and issue you a replacement card. In an emergency situation, such as when you're traveling, we'll get you a temporary replacement card within 24 hours.

Up to seven years of statements will be available online. Any transactions posted to your credit card account since the last statement will also be available.

Yes. Your company's Administrator can request a credit limit increase on your company credit card accounts online in the Credit Card section.

You can:

  • Set up as many new Users as you like.
  • Choose which accounts you want each User to have access to.
  • Decide what permissions* your Users are given.
  • Modify your Users' access at any time after they are set up.
  • Remove Users at any time.
  • Reset Users' passwords.

*Permissions would include the ability to view accounts, make payments to credit card accounts and more.


There is no limit to the number of Users you can set up online.

Yes, each User will need a separate User ID and Password to access the site. As the Administrator, you will need to pick a User ID for each User you are setting up.

Yes. As the Administrator, you can decide not only what accounts you want to give your Users access to, but also what permissions* they have on each of those accounts. A User can be set up with all or any of these permissions, as needed.

*Permissions would include the ability to view accounts, make payments, view account information, or even add, change or delete Users.

As the Administrator, you can update a User's access at any time by going to the Managing Online Access section. First, select the User and then you can modify their profile information or credit card account access.

As an Administrator, you can remove Users who no longer need online access to their account by going to the Managing Online Access option and selecting Delete a User.

Yes. As the Administrator, you can reset your Users' passwords at any time online, which will save you the trouble of calling Customer Service.

At the top of each page there is a Quick Help overview to help guide you through the page. The Managing Users tab has a Quick Help page designed to help you navigate this area.

Yes, if your company's Administrator has given you payment access, you can schedule credit card payments at your convenience 24 hours a day. You can pay your company credit card accounts online from a checking or savings account.

Credit card payments are posted to your account on the same day if they're submitted before 5:00 p.m. CT. Payments made after 5:00 p.m. CT but before 11:59 p.m. CT, will be processed the next business day. You will receive credit for the date of the payment.

You can cancel scheduled payments that are pending on your company credit card accounts or make changes to the amount, payment date, and bank account information up to 5:00 p.m. CT on the payment date indicated.

You can pay your credit card statement up to 30 days in advance.

Yes. As long as your scheduled payments do not exceed your current or statement balance, you can continue to schedule payments.

You cannot currently make an online payment for your company credit card accounts that are on AutoPay. If you would like to have your accounts removed from AutoPay or need more information, call an Online Representative at 800-853-9586, between 7:00 a.m. and 7:00 p.m. CT, Monday through Friday for assistance.

Yes. You can set up recurring payments for your entire company's statement balances to be paid on your due date each month.

Please mail your credit card payment to:
Commercial Card Payment Processing
P.O. Box 2818
Omaha, NE 68103-2818

Please send your overnight credit card payment to:
Commercial Card Payment Processing
Mail Stop 2210
1620 Dodge Street
Omaha, NE 68197

Provide the following information to the bank making the transfer:

  1. Our bank name: FNBO
  2. Bank phone number: 1-800-853-9586
  3. Our ABA routing number: 104000016
  4. Your name as it appears on your card.
  5. Your credit card number.

The wire transfer must be received prior to 5:00 p.m. CT to post to your credit card account the same day. Payments received after 5:00 p.m. CT or on a weekend/holiday will be applied to your account on the next business day.

We always want to give you the answers you need, when you need them. So if you ever have a question or comment, feel free to call us at 800-853-9586 or email us at businessonline@fnni.com.

To enroll online, simply fill out the online enrollment form. We require the business owner or company authorized officer to authorize the enrollment. Once enrolled, this person can then set up additional Users as needed.

Once you complete and submit the online enrollment form, enrollment paperwork is generated. This paperwork contains information regarding the companies you have requested to be set up online and the user information for the Administrator requesting online access. Please print this enrollment paperwork and obtain authorized signatures in the areas indicated on the form. You can either mail or fax the completed paperwork to us. Our Online Representatives will process the enrollment for you. You will receive a response from us (via the preferred method of notification you chose) in two to three business days to let you know the enrollment is complete, or if we need any additional information. When you are notified of your completed enrollment, you may start using this website.

Note: If you experience a problem while printing the enrollment paperwork or if you do not have a printer to print the form, call an Online Representative at 800-853-9586.

No. Once your enrollment is complete and you have been granted access to the site, as an Administrator, you have the ability to add as many Users as you want. You can even decide what accounts and permissions you want to give to each of your additional Users.

You can enroll your company's business credit card account and at that time, you can also enroll the individual cardholder's accounts, belonging to the company. You will need your company's unique Tax ID to enroll.

An authorized officer for your company will have to sign the paperwork for that company.

  • Check your business account balances
  • Set up additional users
  • View current and past statements
  • Confirm which transactions have posted to your business account
  • Make payments to your business credit cards
  • Submit Customer Service Requests for your business credit card account
  • Communicate with us through email

If you have rewards points, you can redeem your Rewards Card points online. Simply log in to your business credit card account and click on the Rewards banner found on the Account Detail screen. You can also call the Rewards Service Center to place your redemption.

Yes. Our mobile app offers you the convenience of managing your credit card account wherever you are! From your mobile device you can check balances, pay bills, view transactions and more. Learn More and download our mobile app.

Our mobile security uses the same high standards we use in our online services. It is designed to provide for a secure exchange of information with our customers. We utilize multiple security protocols such as firewalls, data encryption and customer authentication techniques. Account information is never stored on your phone.

Yes. You can download the mobile app to as many iPhone®, iPad®, and AndroidTM Phones and Tablets as you prefer.

  • Open the app
  • Enter User ID, Password, and tap 'Sign In'
  • Answer the two-step authentication that you have set-up
  • You may then set up faster app access options such as a 4-digit passcode or Touch ID® for iPhone and iPad. Just tap “More” and “Log In Options”


Log In to your online account and go to the Online Message Center located under the “Services” tab on the top navigation. If you do not see a message topic that closely aligns with your question, you can choose to send a message to customer service using the “Other” category.

The Reference Number is a unique identifier for your inquiry. If you need to ask a question about your case, use your reference number.

You can view your sent and received messages from the Inbox within Online Message Center. Sent and received messages will be date/time stamped in the Last Update (CT) column. Your message and all related messages are contained in one message chain. When viewing a specific message, the most recent update to the message chain will appear first. All previous messages will appear when you click on the + beside Message Chain.

Each time you receive a new message, an email will be sent to your personal email address notifying you of the new message. Log in to your online account and click on the “Services” to access the Online Message Center where you will see your Inbox.

It is our goal to respond to all messages within a reasonable amount of time. If you haven't received a reply within 2 business days, please resend the message or call a customer service representative.

While viewing your messages, select the Reply to This Message link. This will allow you to reply to your message.

When you delete a message, the message is no longer available in the Online Message Center but remains on our system for a period of 1 year.

To update your email address, Log In to you online account and select the “Profile” tab located on the top navigation. From there, select your account and click on the “email address” tab to view and edit your email address.

An online profile contains information associated with your individual User ID. Your online profile will include your name, business mailing address and contact information. This is the address and contact information that will be used to contact you when you send in a request to our Online Representatives.

On your online profile, you can update your name, business mailing address, phone and fax numbers.

No. The online profile address information is associated only with your individual User ID. Changing this will not affect the address associated with your business credit card account. To change your account information, call an Online Representative at 800-853-9586 between 7:00 a.m. and 7:00 p.m. CT Monday through Friday.

If you forget your User ID or password, contact your company Administrator or call us at 800-853-9586.

Account Alerts is a free service that delivers email alerts notifying you when important events occur on your accounts. You can sign up to receive emails when your statement information is available to view online, when your payments are due, when your payments have posted and more. Just select the alerts that are right for you.

Alerts are sent to your email address via unsecured email. For that reason, we do not send confidential or personal information within the alert message.

We will display your first and last name with the last four digits of your account number in each email alert that comes from us.

Signing up for Account Alerts is simple. All you need is an account that is enrolled online and a valid email address. Click on the Enroll in Account Alerts link on the left navigation menu of the Accounts tab. In 3 easy steps you'll be managing your accounts with greater ease.

You may choose to receive any or all of the Account Alerts offered to help you manage your credit card account. Account Alerts include Daily Balance, Statement Information Available, Payment Due, Pending Credit Card Payment, Payment Posted, Payment Not Posted, Nearing Credit Limit, Credit Limit Exceeded, Credit Posted and Purchase Exceeds Set Amount.