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 (First National Bank Of Omaha)
Please do yourself a favor and stay clear of this horrible bank. The quality of their services is the WORST I've ever seen. This place truly amazes me as their Web Apps are always down, broken, slow, not available, under maintenance and any other excuse you can find for complete incompetency. In this day and age, this is not acceptable and for some reason, these people just don't care. It's like Peter Gibbins in the movie "Office Space", because they JUST DON'T CARE! I think they go out of their way to provide the worst customer service on the planet and they're winning! Nice job guy's keep up the horrible work!
"Wish I Would Have Checked Them Out"
I've been trying to open a savings account since Oct. 3 and we're still not there. Finally yesterday (10-13-23) after the 3rd phone call I've made, the CSR manually got me to the point of setting up the account , getting a user name and password. They have taken my initial deposit ($1000) from my linked account but it is still in limbo. I know it takes a few days to process so I'm not concerned at this point. I have now been told to "mail" a copy of my drivers license, a copy of a current utility bill and a bank statement from the bank I'm going to fund this savings account because they have concerns about my identity. Funny how there were no concerns before they grabbed the $1000 from my linked account. I have recently obtained a Home Equity Loan and the entire process was done electronically. No mailing documents. Somehow this bank can't find a way to verify identity without going back to the 60's way of doing things. I have on-line accounts with Capital One and Ally and the only reason I was looking into FNBO Direct was the interest rate they are supposedly going to pay. At this point I'm hoping I get my $1000 back and I can move on. I feel sorry for the CSR's who have to somehow sling the policies that some extremely uninformed and out of touch executive must have green lighted. Get a clue FNBO, it's 2023 now. There are ways to confirm a persons identity without this ridiculous process.
Run! Unsecure Data Practices!
I tried to open a checking account. About 3 days later I got 2 emails, one saying I needed to Fax (yes, like in the 90's) my drivers license and another email saying I needed to mail (yes, like via the post office) a utility bill in my name. I attempted to fax my drivers license but their fax machine never picks up, it just rings.
For an e-bank, all of this is insane. I emailed back saying, don't you have some sort of secure portal I can upload this to? They comically replied with "just email it to us!" That is terrifying. What kind of "bank" uses such insecure practices?!?
The last straw was when I called customer service, after waiting for 20 minutes on hold, and they told me that was all they had. When I told them that I wanted to cancel my application, they said sure... then CLICK they hung up on me. Lord knows if I will ever see my $100 initial deposit again. Do not do business with this grossly unsecure bank!
Fnbo And Verizon
These company are an example of crooked activities. They give people account with credit limits allow a partial use make an excuse to block owner out of their account then keep it open to charge interest etc. My experience with them is horrible along with apple making false or inaccurate report?! Never paid attention to it but now a day they make you sign in or create an account to for anything is so they can over power you with the policy you’ve accepted by indirect force! Hoovering over justice with money! The word and had long lost its meaning meaning just as how america was created. It land of the people that owner company not the average American anymore. Even through hardship they use your money remember your reserved to make money!
WORST BANK IN HISTORY
This is the worst bank in HISTORY. The have allowed fraud of 35k on my saving account. When I put a hold on it. They allowed it again. They said a hold wont stop anything. They should have been monitoring my account for unusual act ivy. They said the just didn't. There is this big DUFUS who works here named after the giraffe at toys R us. He is a LIAR, refused to let me withdraw my money. Told me I had to wait 3 weeks because they didn't have it. NOW THYE REFUSE TO GIVE ME CASH AT ALL. they will let every TOM dick and Harry have my money. NOT ME!!!!!!!!! FRAUSTERS HER!!!!!! LIARS, CONS... STEALING MY MONE.
Data as of Q1 2025
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 5452 |
| Year Established | 1857 |
| Employees | 4059 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.19% |
| Return on Equity - YTD | 11.9% |
| Annual Interest Income | $636.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $31.79B$30.79B |
| Loans | Q1 2025vs Q1 2024 | $21.69B$21.49B |
| Deposits | Q1 2025vs Q1 2024 | $26.15B$26.58B |
| Equity Capital | Q1 2025vs Q1 2024 | $3.27B$2.77B |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $917.8MM$952.1MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $187.6MM$174.7MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $3.1MM$3.5MM |