Horrible customer service Horrible customer service. Tried to verify my account numerous times, but they kept adding the country code to my sms code so my phone wouldn’t take it, I texted them at 4 different occasions and was told it was because it was a land line number!!! It’s not, the they said a tech would reach out in ONE TO TWO DAYS TO HELP!!! Omg. Now I went to log in and because of security reasons they refuse to acknowledge my account that I haven’t even opened yet!!!!

Tons of login issues Tons of login issues. Then declined without reason. Says they will re-evaluate applications manually upon request but they deny to do that when you contact them. They also provide no information. Very weary of this company and would advise you don't provide them your personal data.

Same issues as everyone else - restricted account then they closed it on me Nothing but issues. Tried to transfer money into the account after I opened it, and it took more than 10 days. On the 10th day I cancelled the transfer from my bank and the next day I got an email saying my account was restricted due to suspicious activity (same story as alot of people). I didn’t reach out or try to get it back, but then about a week later I got an email saying they are closing my accounts and saying they do not want to do business with me. I wish I could add screenshots because it is absolutely ridiculous

Very Suspicious of this “bank” Was denied a savings account which is laughable, but looks like I dodged a bullet anyway after reading these reviews. Update: Opened a high yield savings account with Capital One earning 4.35% no fees, no minimum!

Can't Access Your Own Money Just like everyone else, had my account restricted with absolutely zero communication, timeline, or anything. Exactly what use is a bank that does not allow you to access your own funds? Horrible customer service, subpar app - not at all worth the interest rate. Now they say they're subjecting transfers up to a 10 business day hold in general (if they don't just restrict your account entirely) which is frankly ridiculous in today's day and age. But no, they get to hold my money for 30 days, use it for whatever purpose they want against my will. A fraud investigation should not take more than a few days, and should be clearly communicated constantly. This is not that - it's clear they're understaffed and running a terrible operation. Save yourself the pain of having your money taken away from you - never use any FNBO product.