Featured Savings Rates
Featured Accounts

FNBO Direct

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.95%SavingsOnline Savings
0.65%CheckingOnline Checking Account
1.15%5-year CD60 Month CD

Overview / Commentary
877-370-3707
1620 Dodge Street
Omaha, NE 68197

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

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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
2/7/11 - How Rates Have Held up at the Largest Internet Banks
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
7/22/10 - Five Best Regular Interest Checking Accounts Available Nationwide
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
3/18/10 - Review of Person-to-Person Payment Services from ING Direct, FNBO Direct & UnivestDirect
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?
8/10/07 - FNBO Direct Sends Out Customer Surveys
8/8/07 - FNBO Direct Employment History Requests and Worries of Account Holds
6/26/07 - Why FNBO Direct Hasn't Been Listed at Bankrate?
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

Great Online Bank for Internet Savings and Checking accounts

I've had an account with FNBO Direct for over a year, and I'm very pleased with my experience so far. I have a Checking and Savings account, and the best part is that the Checking account earns 0.65% APR and the Savings account earns 0.75%. This is a far better deal than you can get in most non-online non-internet banks. Plus, the access you have to your money is great - you can see it online, any time, and move it around however you want with no fees. And there are no minimum deposits required in order to open an account (other than one dollar, but everyone has one dollar, at least if they're trying to open a bank account). Overall I think these accounts are a great deal for the customer, and because of that, I highly recommend FNBO Direct!

Online Banking made easy

I have been using the website www.FNBOdirect.com for more than two years now for an online high-yield savings account. I have not had any problems with my account, deposits, or withdrawals. It has been incredibly easy to link to my checking account at another institution for transfers. Their interest rates are highly competitive with other online savings accounts. All transfers in and out of the account have occurred within two to three days, as stated in their terms. I haven't had to deal with their customer service because of any problems yet. The website at www.fnbodirect.com is easy to maneuver. It is fairly easy to move from the home page to the page to make or check the status of transfers. I have also had no issues when beginning or cancelling any recurring transfers. I have set up recurring transfers into this savings account from my checking account at another institution several times, and I have never had any difficulties. My tax forms have also been easily and fairly quickly accessible through my account on the website when it is a new year and time to begin preparing to file my personal taxes.

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.

Average Bank Needs Better Website

Posted by: JT109000 | Nov 17, 2014

I joined FNBO because I read positive reviews about it and looked up the interest rate on savings accounts. I have had an account with FNBO for about 4 years now and I don't have any remarkable stories about it other than the website is difficult to navigate. I thin it is an average online bank nothing spectacular but setting up an account is fairly easy. Reaching someone from customer support is a hassle you can either email them or try to call the local branch but it takes a while to connect to someone. Overall thoughts about FNBO are that it s an easy enough online bank to sign up with but don't expect exceptional service or high yield interest rates.

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Health

Health Grade Components

Overall
FDIC Certificate #5452
Year Established1857
Employees4755
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD11.28%
Annual Interest Income$1.07B
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$18.94B$18.26B
LoansQ4 2016vs Q4 2015$13.68B$13.19B
DepositsQ4 2016vs Q4 2015$16.12B$15.12B
Equity CapitalQ4 2016vs Q4 2015$1.93B$1.82B
Loan Loss AllowanceQ4 2016vs Q4 2015$327.6MM$270.8MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$92.1MM$83.0MM
Real Estate OwnedQ4 2016vs Q4 2015$10.4MM$15.2MM
Rates
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FNBO Direct Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%-$1mOnline Savings

FNBO Direct Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%-$1mOnline Checking Account

FNBO Direct CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$500$1m60 Month CD
0.90%$500$1m48 Month CD
0.70%$500$1m36 Month CD
0.50%$500$1m24 Month CD
0.41%$500$1m18 Month CD
0.31%$500$1m12 Month CD
0.26%$500$1m9 Month CD
0.16%$500$1m6 Month CD
Locations

FNBO Direct is an Internet only bank and does not have branch locations. Its headquarters is located at 1620 Dodge Street - Omaha, NE 68197