FNBO Review: Relationship Banking Perks and Great Customer Service
Written by
Rudri Patel
Edited by
Melanie Grafil
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FNBO offers free checking accounts with no monthly maintenance or minimum deposits. Checking accounts also come with no overdraft fees. If you’re looking for one-stop shopping for your banking needs, FNBO also offers savings and money market accounts.
First National Bank of Omaha is a full-service bank providing a wide range of banking, investment, wealth management, retirement and business services. FNBO has been operating as an independent, family-owned bank serving the Midwest for over 165 years. Based in Omaha, Nebraska, there are over 100 branches available in the states of Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas and Wyoming. What sets FNBO apart from other Midwest banks is its award-winning customer service and its checking account, which earned a spot on GOBankingRates’ Best Checking Accounts of 2025.
FNBO Checking Accounts
FNBO offers three checking accounts, the standard of which is Free Checking. While it avoids unnecessary bells and whistles, it provides numerous benefits that make it one of GOBankingRates’ Best Checking Accounts of 2025. The other two checking accounts are Premier Checking and Access Debit Account.
- No monthly service fee for a Free Checking Account
- No minimum deposit to open a Free Checking Account
- Premier Checking earns interest and a $15 monthly service fee if the account balance is below $15,000
- Free paper statements with Free Checking Accounts
- Free bank logo checks with Free and Premier Checking Accounts
- Free cashier’s checks and incoming wires with Free and Premier Checking Accounts
- Debit Access Account has no minimum deposit, monthly maintenance or overdraft fees
Best For
Checking Accounts
Mobile App
No Minimum Deposit
No Overdraft Fees
Low Monthly Fees
Standard Checking With No Fees or Minimums
FNBO offers versatile checking options, from fee-free accounts to interest-earning accounts, catering to various financial needs while providing access to over 55,000 ATMs.
Fees
$0
APY
N/A
Min Opening
$0
Pros
- Premier Checking earns interest
- Free Checking has no hidden fees
- Access Debit account to track spending
- Over 55,000 ATMs in the network
Cons
- Free Checking account doesn’t earn interest
- Premier Checking earns relatively low interest
- Branch access is limited to certain states
Quick Take
FNBO’s checking accounts provide options to accommodate different financial preferences, from fee-free basic accounts to interest-earning accounts for those maintaining higher balances. If you’re seeking higher interest rates or broader branch access, you may need to consider these factors when choosing FNBO.
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FNBO Savings Accounts
FNBO has four types of savings accounts: Basic Savings, Savings, Premier Savings, and Flex Savings. Basic Savings doesn’t require a checking account relationship, but the Savings and Premier Savings do have this requirement. Flex Savings is a high-yield savings account with a 3-month and 6-month locked-in rate, and APYs ranging from to .
- Basic Savings, Savings and Premier Savings require no minimum deposit or monthly maintenance fee.
- Savings and Premier Savings requires a checking account relationship
- FDIC-insured
- APYs on Basic, Savings and Premier Savings range from to .
- Flex Savings requires a minimum deposit of $1,000 or maintaining a minimum balance of $1,000 to avoid fees
- Flex Savings limits to two withdrawals a month
- You can request a rate lock on the Flex Savings for 3- or 6-month terms
Best For
Mobile App
No Minimum Deposit
No Overdraft Fees
Low Monthly Fees
No Monthly Fees or Minimum Deposits
FNBO’s savings accounts offer accessible, fee-free options with low minimum deposits, while offering higher APYs and additional benefits are available when combined with other accounts.
Fees
No monthly service fee
APY
to
Min Opening
$0
Pros
- Savings accounts don’t typically have monthly maintenance fees
- Low minimum deposits
- You can secure a higher interest rate if you have another checking relationship
- 24/7 customer service
Cons
- Limited physical branch access
- Difficult to make cash deposits
- Limited withdrawals on the Flex Savings Account
- Can only take advantage of some savings accounts if you have a linked account
Quick Take
FNBO’s savings accounts provide accessible and fee-free options suitable for various savings goals. However, customers with other accounts will likely benefit the most from higher APYs.
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FNBO CD Accounts
If you’d like to lock in your savings at a guaranteed interest rate to avoid fluctuations and don’t mind giving up access to it for a while, a certificate of deposit is a good way to do it. A standard FNBO CD can be opened with $500, with terms ranging from 91 days to five years.
- Minimum deposit of $500
- Wide variety of CD term lengths
- Your interest is compounded daily
- Automatic CD renewal
- Higher interest rates depending on FNBO checking relationship
Best For
Mobile App
No Minimum Deposit
No Overdraft Fees
Low Monthly Fees
CDs With Terms Up to 5 Years
FNBO’s CDs provide a secure way to grow savings with competitive rates and flexible term lengths, though higher rates require an FNBO checking account relationship.
Fees
No monthly service fee
APY
Up to
Min Opening
$0
Pros
- APYs range from to
- Can take advantage of higher rates if you have an FNBO checking relationship
- FDIC insured
- GOBankingRates Best Checking Accounts winner
Cons
- Limited physical branches
- Early withdrawal penalties
- If you have no other checking relationship, base rates are often lower
Quick Take
FNBO offers varying CD term lengths with a $500 minimum deposit requirement, but to take advantage of higher rates, you need an account relationship.
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FNBO Money Market Accounts
FNBO has several money market accounts. The Basic account requires a $1,000 deposit to open but has no minimum daily balance requirement or monthly fee. You can make six convenience withdrawals per month by transferring funds, withdrawing money, or writing checks. That’s the one benefit this account has over the Flex Savings account, which has a higher rate than the Basic Money Market account’s — but only allows two withdrawals.
- The Basic Money Market account requires a $1,000 minimum deposit but no minimum daily balance requirement.
- The 25K Money Market account requires no minimum deposit. However, the account requires a $25,000 minimum daily balance to avoid fees.
- The Basic Money Market account has a tiered interest rate based on balances and checking account relationships. APYs is .
- Six free withdrawals for the Basic Money Market and two free withdrawals for the 25K Money Market account
- APYs on the 25K Money Market Account range from to
Best For
Mobile App
No Minimum Deposit
No Overdraft Fees
Low Monthly Fees
Tiered Rates and Check Writing
FNBO’s money market accounts offer flexibility with tiered rate offerings and check-writing, but higher APYs require a checking account and higher balances.
Fees
No monthly service fee
APY
Up to
Min Opening
$1,000
Pros
- Variety of money market accounts to choose from
- Check writing privileges
- Earn higher rates with relationship-checking
Cons
- Limited geographic locations
- Higher balance requirements for top APYs
- No debit card
Quick Take
There are a variety of choices for money market accounts at FNBO, but you only benefit from higher APYs if you have an already established checking account.
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Banking Experience
One of FNBO’s greatest strengths is the personal service available at over 100 branches. A typical FNBO review remarks about the bank’s knowledgeable representatives. But there are times when digital banking comes in handy — namely, after hours. FNBO is solid on the digital front, as well.
Customer Service
Whether you visit a local branch or call, you’ll get help from friendly and knowledgeable bank representatives. According to J.D. Power’s study, FNBO ranks in the top five in the Lower Midwest in customer satisfaction. FNBO’s strongest features revolve around strong customer service based on the number of local branches and various financial options.
Accessibility and Branch Availability
There are over 100 FNBO branches available in Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas and Wyoming. And even if you aren’t near a branch, you’ll have access to over 55,000 ATMs worldwide.
Mobile and Digital Experience
The FNBO mobile app and online dashboard are both well-organized and easy to navigate. You can handle almost everything from either, such as viewing your balances and history, depositing checks and paying your credit cards and other bills.
All of your data is encrypted to ensure your information remains private. Two-step authentication is also enabled to reduce the risk of someone else accessing your account. Customers who downloaded the app from the Google Play store give it an average score of 4.7 out of 5 stars, and iOS users rate it 4.8 out of 5 stars.
How Does FNBO Compare?
Here’s a quick look at how FNBO compares to other banks.
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$25 per wire transfer; free for Diamond status — 3 per cycle
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Early withdrawal penalty may apply
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SELECTED BANK
MOST COMPARABLE
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No monthly service fee
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$25 per wire transfer; free for Diamond status — 3 per cycle
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Min Opening
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$1,000
$0
$0
First National Bank of Omaha vs. First Interstate Bank
Both FNBO and First Interstate Bank have a more personal, smaller bank feel. Although FNBO offers superb customer service, First Interstate has over 300 branches in 14 states.
First National Bank of Omaha vs. Ally Bank
Ally Bank and FNBO have some big differences, with the most significant being physical branches. Ally is an online-only bank, while FNBO has over 100 branches. Additionally, Ally generally offers higher interest rates on CD balances. FNBO’s CDs require a minimum deposit of $500, while Ally’s CDs don’t require a minimum deposit.
First National Bank of Omaha vs. Regions Bank
FNBO is known for its nationwide online presence, competitive APYs and no-fee credit cards. Regions Bank has a stronger physical presence and focuses on financial planning services tailored around the communities it serves. Regions Bank offers competitive rates on its CDs with a similar minimum.
Final Take
If you live in the Midwest, Texas, Colorado or Wyoming, banking with FNBO could be a great experience. You’ll have access to various account options and other financial planning services for a one-stop banking and finance experience. Opening an account online can be done in as little as 10 minutes — or you can visit a branch and get to know your local representatives.
FNBO FAQ
Here are some considerations worth exploring further before opening an FNBO account.- Is First National Bank of Omaha hard to get approved for?
- Approval for FNBO credit products includes evaluating your credit score, financial profile and credit history. Whether you are eligible depends on what you are applying for and your individual financial situation.
- Does First National Bank of Omaha have an annual fee?
- FNBO has a selection of credit cards, Evergreen, Getaway, and Secured Visa. These cards do not require an annual fee.
- Does First National Bank of Omaha have Zelle?
- FNBO does have Zelle on its digital platform.
Cynthia Bowman and Daria Uhlig contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 10, 2024.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
To determine rankings for the Best Checking Accounts of 2025, GOBankingRates looked at the following factors from all banks (excluding neobanks): (1) total assets as sourced from the FDIC; (2) number of branch locations as sourced from the FDIC; (3) minimum deposit to open an account; (4) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (5) APY on the checking account; (6) overdraft fee amount; (7) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factor (1), (2 and (5) weighed 0.5 times, and Factor (4) weighed 1.5 times. All products and offerings had to be available as of Nov. 1, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 10, 2024.
