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FNBO Direct
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1620 Dodge Street Omaha, NE 68197 1-877-370-3707 www.fnbodirect.com Open a Savings Account  |
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Since 1857, First National Bank Omaha has been growing steadily. Originally, FNBO Direct was a small institution, serving only Omaha, Nebraska, and the immediate area. Now, FNBO, a subsidiary of First National Nebraska, serves 6.6 million people all over the country. First National Nebraska is a multi-state holding company, and is the largest privately owned banking company in the U.S.
FNBO offers products that are in line with what you would expect from such an institution: checking accounts, savings accounts and CDs. FNBO also issues Visa branded rewards credit cards. FNBO offers consistently competitive yields on deposit accounts, and a fairly low variable interest rate on its credit card.
In addition to online billpay, FNBO also makes use of Popmoney, which allows you to send payment from your bank account directly to someone else with the help of a text message. You can also receive payment via Popmoney directly to your bank account. The FNBO web site features a number of helpful and educational tools, including a wide array of calculators. One of the most interesting is a calculator that will help you see how long it will take you to save up $1 million.
FNBO offers products that are in line with what you would expect from such an institution: checking accounts, savings accounts and CDs. FNBO also issues Visa branded rewards credit cards. FNBO offers consistently competitive yields on deposit accounts, and a fairly low variable interest rate on its credit card.
In addition to online billpay, FNBO also makes use of Popmoney, which allows you to send payment from your bank account directly to someone else with the help of a text message. You can also receive payment via Popmoney directly to your bank account. The FNBO web site features a number of helpful and educational tools, including a wide array of calculators. One of the most interesting is a calculator that will help you see how long it will take you to save up $1 million.
Related Posts
FNBO Bug? FNBO Direct 404 - Page Not Found (Forum) - 5/16/2013
After entering my FNBO logon and password the following error appears: FNBO Direct 404 - Page Not Found The requested content may have been moved or does not exist.
FNBO Savings Rate Decrease (From 0.85%) To 0.75% (Forum) - 5/3/2013
First National Bank of Omaha (FNBO) Direct appears to have decreased their Savings account APY (from 0.85%) to 0.75%. Their Web page and account disclosure still lists 0.85%; however the table of rates available after you login lists (changed today)
FNBO Direct Scheduled Outage Sunday 2-17-13 (Forum) - 2/14/2013
Online services of First National Bank of Omaha (FNBO) will be unavailable this coming weekend. The posted logon message currently reads: Notice - Images may be unavailable on Sunday, February 17th, beginning a
FNBO Direct Announces Savings Account Rate Increase for New Year - 12/26/2012
Last week FNBO Direct emailed customers to let them know that they will be raising the online savings account from 0.65% to 0.85% APY effective January 2, 2013. When I first saw the email, I thought i ...
2012
- 12/19 - FNBO Savings Rate Increase (Forum)
- 7/20 - FNBO Direct Offers Another Savings Account Promotion to Existing Customers
- 7/19 - Bonus Rate (Forum)
- 3/7 - Last Years FNBO Special 1.35% Rate Reminder (Forum)
2011
- 9/29 - FNBO Direct Savings Account Rate Cut & FYI On The Savings Account Promo (Forum)
- 7/13 - FNBO Direct's Special Offer for Existing Customers and Keeping Accounts Open
- 7/1 - Special Rate Offer From FNBO (Forum)
- 6/9 - FNBO Direct Cuts Savings Account Rate To 0.85% (Forum)
- 5/11 - Internet Banks Improving Their Person-to-Person Payment Services
- 3/18 - Rate Drop At FNBO (Forum)
- 2/7 - How Rates Have Held up at the Largest Internet Banks
- 1/25 - Closing Your Account At FNBO Direct (Forum)
2010
- 12/10 - FNBO Direct $25 Online BillPay Account Bonus
- 11/12 - FNBO Direct Update: New Cash Back Program and a New Bonus
- 9/1 - FNBO Direct's New Debit Card Reward Program (Forum)
- 7/22 - Five Best Regular Interest Checking Accounts Available Nationwide
- 5/28 - FNBO Direct Cuts Rates on Savings Account and BillPay Account (Forum)
- 4/22 - Reviews of FNBO Direct's Online BillPay Account, $25 Bonus & Its New Website
- 3/18 - Review of Person-to-Person Payment Services from ING Direct, FNBO Direct & UnivestDirect
- 2/19 - FNBO Direct Reduces Savings Account Rate from 1.40% to 1.25% (Forum)
2009
2008
- 12/12 - 4.26% 24-Month CD & 4.00% 12-Month CD at FNBO Direct
- 6/9 - FNBO Direct Increases Online Savings Account Yield to 3.50%
- 3/25 - $25 Bonus for FNBO Direct's BillPay Account
2007
- 11/20 - FNBO Direct's New CDs and Checking Account
- 9/26 - FNBO Direct's New 2% Cash Back Credit Card and It's Official, New Yield of 5.05%
- 9/25 - Future Rates at FNBO Direct? and What's Next?
- 8/28 - FNBO Direct Planning a Cash Back Reward Credit Card
- 8/27 - FNBO Direct Savings Account Update - Withdrawing Money
- 8/10 - FNBO Direct's Account Frozen Emails - Mistake?
- 8/10 - FNBO Direct Sends Out Customer Surveys
- 8/8 - FNBO Direct Employment History Requests and Worries of Account Holds
- 6/26 - Why FNBO Direct Hasn't Been Listed at Bankrate?
- 6/22 - Update on FNBO Direct Transfer Concerns
- 6/20 - FNBO President and the Future Plans with FNBO Direct
- 6/15 - FNBO Direct Savings Account Policy Updates - Concerns?
- 5/25 - HSBC Direct's Next Offer?
- 5/24 - How Much Have You Deposited into FNBO Direct?
- 5/21 - FNBO Direct Finally Does a Press Release on its 6% Savings Account
- 5/19 - Update on FNBO Direct Savings Account - $1M Balances and More on Transfer Times
- 5/13 - Transfer Speeds and Timing Deposits into FNBO Direct's 6% Savings Account
- 5/8 - My Experience Opening FNBO Direct 6% Savings Account - Part 3
- 5/4 - My Experience Opening FNBO Direct's 6% Savings Account - Part 2
- 5/3 - Concerns about FNBO Direct? Too Good to be True? Don't Worry. It's Legit
- 5/2 - My Experience Opening FNBO Direct's 6% Savings Account
- 5/1 - FNBO Direct's Savings Account Offers 6.00% Until 9/28/07
See Rates for: Checking | Savings | CD
FNBO Direct Checking Account Rates
FNBO Direct Savings Account Rates
| Apy | Min | Max | Product | |
| 0.85% | - | $1m | Online Savings | |
| Start SavingSponsored Note: Named Best Place to Park Your Emergency Cash by Money Magazine. | ||||
FNBO Direct CD Rates
Rates updated: 5/22/2013
Data for Q4 2012
Institution Statistics
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Institution Health
Overall Score:
4 out of 5 
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Beware Of Hidden Fees On The Online Checking ("Billpay") Account
As always, read the account disclosures before opening an account.
FNBO charges a monthly "Debit Card Inactive Fee" of $1 per month if you don't use the debit card associated with the account at least once every 90 days. If you opt out of the debit card entirely and just get an ATM-only card, they charge you $1 per month, every month, period.
Since I never use debit cards, this was a deal-killer for me.
If you are one of those people who open accounts while the interest rates are good, and then leave them dormant when the rate drops, there is a dormant account fee of $25 (first month) or $10 (subsequent months). It doesn't indicate how long the dormant period is in their online disclosure.