First National Bank of Omaha (FNBO) was founded in 1857 in Omaha, Nebraska, offering services online to customers in eight U.S. states. FNBO Direct, the online banking division, provides high-yield savings and money market accounts nationwide. The Access Debit account has no fees or minimum balance but no checks or overdrafts. FNBO’s Premier Checking offers 0.02% APY with a $15,000 balance waiver and free checks.
FNBO’s Savings account earns interest with an FNBO checking account, allowing six free withdrawals per month. The Money Market account has no fees or minimum balance, requiring a $1,000 minimum deposit and allowing six free withdrawals with checks. The Flex Savings account is a hybrid CD/savings account with a 3.5% rate for a 3-month lock.
FNBO offers CDs starting at $500 with rates ranging up to 3.7% APY for checking account holders. The bank provides various loan types, including mortgages, personal loans, and auto loans. Four credit cards are available, including a secured card with rewards. Pros include a variety of deposit accounts, rate-lock on savings, and rewards on secured cards, but cons include varying interest rates by location, low deposit account rates, and limited service area.
FNBO offers 24/7 customer support via phone and live chat. Mobile banking apps are available with free FICO score monitoring. The bank emphasizes community impact and sustainability but has mixed reviews on climate responsibility. In 2016, FNBO paid over $32 million for illegal credit card charges. The bank is FDIC-insured with an A+ rating from the Better Business Bureau.
FNBO’s routing number is 104000016. Zelle is available through online banking and mobile apps. Customers can contact FNBO at 800-642-0014 or write to the bank in Omaha, NE.
Read more at Yahoo Finance: A variety of checking and savings options