FNBO Direct
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.60% | Savings | Online Savings |
| 0.65% | Checking | Online Checking Account 0.90% - nbkc bank Personal Account |
| 1.15% | 5-year CD | 60 Month CD 2.50% - Ally Bank High Yield 5 Year CD |
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.
Related Posts
12/15 - Rate Hike At FNBO
8/25 - FNBO Direct Increases Online Savings Account Rate
6/22 - FNBO Savings Up To 1.10% APY. Quick Look.
5/16/13 - FNBO Bug? FNBO Direct 404 - Page Not Found
5/3/13 - FNBO Savings Rate Decrease (From 0.85%) To 0.75%
2/14/13 - FNBO Direct Scheduled Outage Sunday 2-17-13
12/26/12 - FNBO Direct Announces Savings Account Rate Increase for New Year
12/19/12 - FNBO Savings Rate Increase
7/20/12 - FNBO Direct Offers Another Savings Account Promotion to Existing Customers
7/19/12 - Bonus Rate
3/7/12 - Last Years FNBO Special 1.35% Rate Reminder
9/29/11 - FNBO Direct Savings Account Rate Cut & FYI On The Savings Account Promo
7/13/11 - FNBO Direct's Special Offer for Existing Customers and Keeping Accounts Open
7/1/11 - Special Rate Offer From FNBO
6/9/11 - FNBO Direct Cuts Savings Account Rate To 0.85%
5/11/11 - Internet Banks Improving Their Person-to-Person Payment Services
3/18/11 - Rate Drop At FNBO
1/25/11 - Closing Your Account At FNBO Direct
12/10/10 - FNBO Direct $25 Online BillPay Account Bonus
11/12/10 - FNBO Direct Update: New Cash Back Program and a New Bonus
9/1/10 - FNBO Direct's New Debit Card Reward Program
5/28/10 - FNBO Direct Cuts Rates on Savings Account and BillPay Account
4/22/10 - Reviews of FNBO Direct's Online BillPay Account, $25 Bonus & Its New Website
2/19/10 - FNBO Direct Reduces Savings Account Rate from 1.40% to 1.25%
11/16/09 - New 5.25% No-Minimum Online Savings Account - FNBO Direct
11/16/09 - FNBO Direct Increases Online Savings Account Yield to 3.50%
9/21/09 - 4.00% 60-Month CD at FNBO Direct - Nationally Available
12/12/08 - 4.26% 24-Month CD & 4.00% 12-Month CD at FNBO Direct
3/31/08 - $25 Bonus for FNBO Direct's BillPay Account
11/26/07 - FNBO Direct's New CDs and Checking Account
9/26/07 - FNBO Direct's New 2% Cash Back Credit Card and It's Official, New Yield of 5.05%
9/25/07 - Future Rates at FNBO Direct? and What's Next?
8/28/07 - FNBO Direct Planning a Cash Back Reward Credit Card
8/27/07 - FNBO Direct Savings Account Update - Withdrawing Money
8/10/07 - FNBO Direct's Account Frozen Emails - Mistake?
8/8/07 - FNBO Direct Employment History Requests and Worries of Account Holds
6/22/07 - Update on FNBO Direct Transfer Concerns
6/20/07 - FNBO President and the Future Plans with FNBO Direct
6/15/07 - FNBO Direct Savings Account Policy Updates - Concerns?
5/25/07 - HSBC Direct's Next Offer?
5/24/07 - How Much Have You Deposited into FNBO Direct?
5/21/07 - FNBO Direct Finally Does a Press Release on its 6% Savings Account
5/19/07 - Update on FNBO Direct Savings Account - $1M Balances and More on Transfer Times
5/14/07 - Transfer Speeds and Timing Deposits into FNBO Direct's 6% Savings Account
5/8/07 - My Experience Opening FNBO Direct 6% Savings Account - Part 3
5/4/07 - My Experience Opening FNBO Direct's 6% Savings Account - Part 2
5/3/07 - Concerns about FNBO Direct? Too Good to be True? Don't Worry. It's Legit
5/2/07 - My Experience Opening FNBO Direct's 6% Savings Account
5/1/07 - FNBO Direct's Savings Account Offers 6.00% Until 9/28/07
| Featured Account Options | SPONSORED LISTINGS | ||||
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Top Ten Online Bank, Hands Down!
I've been a customer of FNBO Direct for seven years now. Year after year they have served me quickly and always put me first as if they were a Federal Credit Union. You get that Credit Union feel from them. Their new app on iOS allows you to deposit checks instantly like most main carriers. Also their security for logging in is intuitive. You'll get comfortable with this bank.
Great online bank!
I opened a savings account here about 4 years ago. This is a great bank with great rates even if you deposit your money into a "passbook" type account. They always seem to pay a little more than regular banks. Sometimes they have a special rate for when you open your account if you deposit it into a time CD. If you don't need your money for a while, this is the way to go. I totally recommend this online bank for your savings. It's easy to access, easy to use, and your money is readily available in case you really need it for some reason. Their website is attractive, it's user friendly, and the rates for their money products can't be beat. What more could you ask for? Also they have a mobile app you can download and use if that's the way you'd rather do your banking, although that's not for me.
FNBO Online Banking
I opened a Savings account with FNBO I think in 2010. I did this to have an online savings account which is more difficult to access than a regular bank. I did a lot of research at the time for the best rates. At the time, this bank had the best rate with no minimums. These days there are several other choices. Since I opened the account they have made available more products, such as online checking accounts, which has made it easier to make payments to credit cards and transfer money to my regular accounts. It is helpful, as I often forget about the account and so the money tends to build until I remember I need that extra little cash. I have never run into any issues with customer service or any other experiences with the service. It takes several days to transfer money, but that is one of the reasons to have the account, so that I cannot access the money quickly, so I try to save more.
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.
Data as of Q4 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 5452 |
| Year Established | 1857 |
| Employees | 4660 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.66% |
| Return on Equity - YTD | 6.53% |
| Annual Interest Income | $1.20B |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2017vs Q4 2016 | $20.35B$18.94B |
| Loans | Q4 2017vs Q4 2016 | $14.70B$13.68B |
| Deposits | Q4 2017vs Q4 2016 | $16.87B$16.12B |
| Equity Capital | Q4 2017vs Q4 2016 | $1.95B$1.93B |
| Loan Loss Allowance | Q4 2017vs Q4 2016 | $392.7MM$327.6MM |
| Unbacked Noncurrent Loans | Q4 2017vs Q4 2016 | $108.3MM$92.1MM |
| Real Estate Owned | Q4 2017vs Q4 2016 | $7.2MM$10.4MM |
This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.
FNBO Raises Online Savings Rate To 1.60%
Always verify rates and promotions with the bank or credit union. We are not FNBO Direct; we are a rate comparison website and cannot provide official rates or promotions.
FNBO Direct Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.60% | - | $1m | Online Savings |
FNBO Direct Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.65% | - | $1m | Online Checking Account |
FNBO Direct CD Rates
FNBO Direct is an Internet only bank and does not have branch locations. Its headquarters is located at 1620 Dodge Street - Omaha, NE 68197