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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

FNBO Direct Ups Online Savings - 12/15/2017

FNBO Direct (internet division of First National Bank) has raised the rate on its Online Savings account to 1.40% APY. Minimum deposit is $1 and is capped at $1m.

Rate Hike At FNBO - 12/15/2017

FNBO has raised their savings rate to 1.40%. I think it was 1.15%. I closed my account because fund movement was very slow. They are still showing my account as open.

FNBO Direct Increases Online Savings Account Rate - 8/25/2017

FNBO Direct increased the rate of its Online Savings Account by 5 bps to 1.15% APY for all balances. It’s nothing to get excited about, but it’s always nice to see a rate increase. I miss the good old days back in 2007 when FNBO Direct was offering 6%

View all posts from:

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

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 Banks, the easy way to save

Posted by: MelLucy | Aug 22, 2017

I have been banking with FNBO Direct for more than a decade I believe. The bank is not the best for online banks, from my comparison. However, everything about them is tied to their parent company, a company that I previously worked for and have all of my personal accounts through. I have had limited interactions with them - only calling customer support a handful of times. The rates that they offer on savings are not what they used to be and they are rarely worth the extra effort to open an account anymore, but this bank, if you need to have an online only savings account, is on par with others. I have never had a fee from them, so I cannot comment on that. Also, their mobile and web experience falls short of other banks, but is on par with banking in general.

Great way to earn higher interest

Posted by: Kerkerle | Aug 21, 2017

A few years ago, I was frustrated by having such low interest rates at my bank (Wells Fargo). I decided to look at other options by searching the internet. I was very leery about putting my money in an online bank as I had never heard of FNBO Direct. The rates were attractive, but an unknown is still uncomfortable. I tried a little bit of money ($2,000) to test out the process. After a few months, everything seemed legitimate and I have now been using the bank for deposits ever since.

It sort of is a bare bones operation. It's just about transferring your money from your regular bank account to one of the products at FNBO to get that higher interest rate. Of course, one can transfer money out of FNBO (with limits). I have not been impeded by these limits. Lately, other institutions have started beating FNBO's rate, but I don't want to be a rate chaser. For years, FNBO gave me a good rate to park my liquid cash and I am happy with my banking relationship. I do feel a certain disconnect that there is no human face, but perhaps that is just the way the world is going these days. As long as my money is safe and insured and growing, I really can't complain.

Very Disappointed

I applied for my FNBO direct account on September 30th. It did not get processed online and it said someone will contact me by phone or email. I received an email asking me to complete my application process - when I logged in, there was nothing for me to complete. I called customer service, they said they have to review it by hand, it will take 48 hrs to see what is missing. Passed 48 hrs no email or phone call. I called customer service back talked to the manager , the manager sent the document again to the department that process this application. I was told I need to fax or mail address proof, I faxed address proof. It has been 2 days since, I called they cannot even confirm if they received my fax yet, let alone the status of the application. Horrible service . Stay away from this bank. I am regretting for even applying here.



Health Grade Components

FDIC Certificate #5452
Year Established1857
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD8.92%
Annual Interest Income$878.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$19.34B$18.59B
LoansQ3 2017vs Q3 2016$14.14B$13.26B
DepositsQ3 2017vs Q3 2016$16.28B$15.48B
Equity CapitalQ3 2017vs Q3 2016$2.00B$1.95B
Loan Loss AllowanceQ3 2017vs Q3 2016$382.9MM$306.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$114.1MM$85.0MM
Real Estate OwnedQ3 2017vs Q3 2016$7.2MM$11.2MM
  User-submitted Promotions & Notices

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.

Rate Hike At FNBO

Maecl   |  
FNBO has raised their savings rate to 1.40%. I think it was 1.15%.
I closed my account because fund movement was very slow.
They are still showing my account as open.

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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

1.40%-$1mOnline Savings

FNBO Direct Checking Account Rates

0.65%-$1mOnline Checking Account

FNBO Direct CD Rates

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

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