Summary: First National Bank of Omaha (FNBO) was founded in 1857. The bank is headquartered in Omaha, Nebraska, and offers online services, but is only available to customers living in eight US states.

Note: Direct FNBO is the online banking division of FNBO, offering high-yield savings and money market accounts, available nationwide.

The FNBO Access Debit Account gives you the minimum convenience you need from a checking account. This account has no monthly fee or minimum balance requirement, but does not include checking and does not allow overdrafts.

This basic FNBO checking account has no monthly fee or minimum balance requirement, though it doesn’t earn interest or offer overdraft protection. Account includes free checks.

With FNBO’s Premier Checking Account, your deposits can earn 0.02% APY, though rates depend on where you live. If you have an average daily balance of $15,000 or more, you can waive the $15 monthly fee. The account also includes free checks and overdraft protection.

Read more: How to order checks online

The FNBO savings account earns interest if you also have an FNBO checking account. The rate you earn depends on your deposit amount and location.

This account has no monthly fee or minimum balance requirement, but customers can only make six free withdrawals per month. After that, there is a $5 fee for each withdrawal.

With the FNBO money market account, interest rates depend on the amount and location of your deposit. There is no monthly fee or minimum balance requirement, but a minimum deposit of $1,000 is required to open the account.

Like the savings account, you’re limited to six fee-free withdrawals per month, but this account includes checking.

FNBO’s Flex Savings is a unique hybrid of a CD and savings account. With this account, you can choose to lock in an interest rate at any time, for a duration of three or six months. The highest rate currently available is 3.5% for a 3 month lock.

Flex Savings has a $25 monthly fee, but it’s waived if you maintain a balance of $1,000 or more. Account holders receive two free withdrawals per month.

You can open a CD at FNBO for just $500. FNBO CD terms range from 91 days to five years, with a wide range of rates. The most you’ll currently earn is 3.20% APY if you don’t have an FNBO checking account, or up to 3.7% APY if you do.

FNBO offers a variety of loan types for customers, so you can potentially do all your banking and lending in one place. Here is an overview of FNBO loan types:

• Mortgages: Conventional mortgages, FHA and VA loans, home equity loans and more.

• Staff: Personal loans and lines of credit, as well as debt consolidation loans

• automatic: New and used car loans. (Automatic refinancing is not available.)

FNBO offers four different credit cards with a variety of rewards and benefits, including a secured credit card that comes with rewards:

• Evergreen Credit Card: Unlimited 2% cash back with a $200 welcome bonus and no annual fee.

• Getaway Credit Card: Up to three points per dollar, with 0% APR for the first 12 months and no annual fee. The balance transfer fee is 5%.

• GreenSelect credit card: zero interest for the first 18 months and no annual fee. The balance transfer fee is 5%.

• Secured Rewards Credit Card: Available for deposits between $300 and $5,000. Purchases earn one point per dollar.

If you’re looking for a checking or savings account that doesn’t have monthly fees, you have several options to choose from at FNBO. That said, customers may incur fees in certain cases.

Advantages:

• Variety of deposit accounts: FNBO offers several current and savings accounts, so you can choose the account with the features that best suit you.

• Blocking of savings rates: Most savings accounts have variable interest ratesbut the FNBO Flex Savings account has a rate lock feature.

• Rewards on secured cards: Most secured credit cards don’t earn rewards, but the FNBO Secured Card earns one point per dollar.

Cons:

• Deposit interest rates vary by location: Interest rates on most FNBO deposit accounts vary depending on where you live.

• Below market rates: Most FNBO deposit accounts earn little or no interest.

• Limited service area: FNBO offers banking services only in Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas and Wyoming.

FNBO does not offer chat support through its website, but you can call 800-642-0014 for banking and loan assistance or to open an account and you will be connected to a live agent 24 hours a day. You can also open an account at FNBO.com.

FNBO has mobile banking apps for both iPhone and Android, and the apps include free FICO credit score tracking. The Google Play Store has a user rating of 4.6 stars, although recent reviews often mention issues with the app. The Apple App Store has 4.8 stars.

FNBO highlights its commitment to community impact and environmental sustainability, but the bank’s track record is varied. In 2024, FNBO contributed more than $7.5 million to non-profit organizations. But according to Bank.Greena company that assesses the policies and environmental impact of banks, FNBO “falls short on climate responsibility”.

Also, in 2016, the Consumer Financial Protection Bureau ordered FNBO to pay more than $32 million to its credit card customers for illegal charges the bank made.

Customer support is available 24/7 at 800-642-0014. You can write to FNBO using this address:

First National Bank of Omaha

PO Box 3128

Omaha, NE 68103

Yes, FNBO is an FDIC insured bank. Your deposits are protected up to federal limits.

FNBO’s route number is 104000016.

FNBO is a reliable bank that has been in business for over 150 years. This bank has received relatively low ratings from customers, but has an A+ rating from the Better Business Bureau.

FBNO has cell available through online banking or through the bank’s mobile applications.