This action cannot be completed online. For assistance, please contact our Customer Service team at: 888-295-5540. 

You may click here or log into your account at card.fnbo.com and select the "Profile" tab. From there you can select to update your address, email address and mobile phone number.

This action cannot be completed online. For assistance, please contact our Customer Service team at: 888-295-5540. Or visit our "Contact Us" page and click the chat icon in the bottom right corner.

Click here to setup account alerts to help you monitor your account spending.

You can choose how you want to be notified:

* Email alerts - ready to use right away

* Text alerts - requires mobile number verification first.  Click "Verify" on the Manage Alerts page and respond to the verification text message to make text alert options available.

Click here to check if you're eligbile and request a credit limit increase. 

Click here to access your Account Information page. Select "Add Online Account", choose "Credit Card", enter your account number, and click "Add Account".

You should receive your new credit card within 7-10 business days after approval. For specific status updates on your application or card delivery, please contact our Customer Service team at: 888-295-5540.

Yes. Visit your designated URL and click either "Enroll Online" or "Log In" → "Enroll Now" (choose consumer or business). Complete the enrollment form with your 16-digit card number, expiration date, CVV, name, last four of SSN, DOB, and email address. NOTE: Customer must be 13 years of age or older to use online banking.

You may click here or log into your account at card.fnbo.com and select the "Manage Authorized Users" button to add an Authorized User to your account. 

Your interest rate can be found on your monthly statement.  Look in the "Charge Summary" section towards the end of the document.  This section will show your current APR (Annual Percentage Rate).  Click here to open one of your statements (in PDF) online.

Yes, you can use your credit card at any PLUS System or NETS ATM with your PIN. To complete a cash advance at an ATM, a valid credit card and PIN are required. If you do not have a PIN, you can contact our Customer Service team at 888-295-5540 to set up a PIN. Please Note: Applicable fees may apply please reference your terms and conditions. This feature may not be available on some credit card accounts.

If you are unable to resolve a purchase dispute with the merchant, or if you find an unathorized transaction, call us at the number on the back of your card for 24/7 assistance. If you’re enrolled online, you can dispute a transaction by clicking here.

To view your statements click here. You can also view your statements on the mobile app.

Go paperless - click here to turn on your paperless statements. You can also turn them on through your mobile app.

It's not currently possible to manually change the category of a charge. Categories are automatically assigned based on the transaction details we receive.

You can view your online statements here. Your cycle dates appear on each statement. You can view your transactions on the account page and filter transactions to see the statement cycle you'd like to view.

Click here, to login to your account. Scroll down to "Recent Transactions." Click "Download Transactions." Select your Statement Cycle and choose your Download Format (available in Quicken, QuickBooks, CSV).

You can view your year-end summary by clicking here, to login to your account. Year-End Summaries are available for up to seven years.

You can view interest charges on your statement here. 

You can make your payment online, in the app, through your banking portal "Online Bill Pay," in the automated phone system (IVR), or by mail. Click here to access your payment page. Important timing information: 

•  Payments made before 5:00 PM CT: Posted to your account today

 • Payments made between 5:00 PM and 11:59 PM CT: Processed next business day, but still credited as of today's date

To enroll in Autopay, click here. You can also setup Auto Pay in the mobile app. Important things to know: 

• Your Autopay will begin after your next billing cycle 

• If you have a payment due now, you'll need to make that payment separately 

• Your monthly statement will show when Autopay is active

Log in and click here to make your one-time payment. Add your bank account information by clicking "Add Account."  If you prefer using our mobile app, you'll find the same option in the "Make Payment" section.

We don't currently accept debit card payments.  We offer several alternative payment methods for your convenience, including:

• ACH bank transfers
• Online bill pay through your banking portal
• Checks by mail

Our system allows only one payment at a time. Please wait until your current payment is fully processed before submitting another. For urgent needs, contact our Customer Service team at: 888-295-5540 to discuss possible options.

This action cannot be completed online. For assistance, please contact our Customer Service team at: 888-295-5540. Or visit our "Contact Us" page and click the chat icon in the bottom right corner.

Update your email preferences in your online account to receive automatic payment confirmation emails after each transaction.

Automatic Payment Confirmations: When you make a one-time payment through online banking, we'll send a confirmation email to your registered address right away.

Set Up Additional Payment Alerts: Want more payment notifications? Click here to customize your account alerts.

Click here to view your rewards on your account page below the balance details.

Click Here and select “More” from the quick links bar in the middle of your account page. Then choose “Balance Transfer” to view your available offers. If you're eligible, you can select and complete your preferred balance transfer option.

Click "Log Out" in the upper right-hand corner of your screen.

Click here, or try a different browser, clear cache, or disable pop-up blockers. Still having issues? Contact our Customer Service team for help at 888-295-5540.

Starting at 11 months, we’ll begin reviewing your secured credit card account and your overall credit history each month to determine if you qualify to graduate to an unsecured card. If you qualify, your security deposit will be returned to you in the form of a check. Keep in mind that your credit score is influenced by many factors, including your activity on other credit accounts.

Be sure to make at least your minimum monthly payment on time each month – for your FNBO credit card, other credit cards, and loans. It can help to also pay down existing credit card debt, ideally using less than 30% of your total available limit. Login online to check your credit score regularly to see how your habits are impacting your score.

Enroll in online account management and enroll in FNBO Credit Watch_SM. Get access to your current FICO score, learn what ingredients make up your score, and get alerts when your score changes.

You can make additional deposits to your secured account in increments of $50, not to exceed a total deposit of $5,000. Call us at 866-329-6001 or mail the deposit to FNBO Secured Card Group, Stop Code 3109, PO Box 2978, Omaha, NE 68103-2978, and identify the payment as a deposit.