General Information FAQs

FNBO Direct is a division of First National Bank of Omaha (FNBO). In an industry characterized by mega-mergers and ever-changing marquees, FNBO is proud to have a history and a name that dates back over 165 years. FNBO's rise to prominence as a leading banking institution continues to be driven by its well-established culture of providing personalized customer service and innovative, quality products.

No. You may keep your existing accounts at other financial institutions if you wish. You can link up to three external accounts to your FNBO Direct Online Savings Account. You may transfer money between those external "linked accounts" and your FNBO Direct Online Savings Account. The FNBO Direct Checking Account is a high-yield checkless checking account that allows you to earn interest on your everyday money while easily paying your bills. 

Deposits at FNBO Direct are FDIC insured to the maximum allowed by law. Funds in FNBO and FNBO Direct accounts will be summed for purposes of insurance coverage. To review our FDIC Information, please click here to access the FDIC search listing. Search for First National Bank of Omaha, Omaha NE. Our FDIC Certificate number is 5452.

Monday through Friday, excluding holidays.

ACH stands for Automated Clearing House. All direct deposits or withdrawals transferring from one account to another are routed through the Federal Reserve for verification of origin of funds.

Your FNBO Direct account is available 24 hours a day, 7 days a week by visiting

Email Us

Select Contact Us at the upper right of your screen and drop us a line. We'll email you back within 24 hours with a response to your question.


Call Us

If you would like to speak with a Customer Service representative, call 1-877-370-3707, 24 hours a day, 7 days a week.

Hearing impaired customers with TDD equipment, call 402-602-8264, 24 hours a day, 7 days a week.


Mail Us

You can contact us by mailing correspondence to the following address:

FNBO Direct
P.O. Box 3707
Omaha, NE 68103-0707


Fax Us


FNBO Direct Accounts are available through the online application. Locate the "Open An Account" button on the homepage in the upper left log in box or click the “Apply” button on an individual product page. Select any of the products listed in the FNBO Direct suite; then just complete the application.

You can open an Online Savings Account or an Online Checking Account with as little as $1.

Typically, you will receive a decision within two business days of completing your online application.

Yes. Simply select Joint Account during the application process.

Yes. The online application process includes information on how to make your initial deposit by check.

You will receive an online notification via email from FNBO Direct when your account has been activated.

It only takes a few minutes to open your FNBO Direct Online Savings Account.

All applications must be submitted online. We're efficient! No paper. No branches. No mailed applications. This allows us to offer you a great rate on products and services that help you meet your financial goals faster.

No. The application process does not affect your credit score.

Interest payments to you may be subject to "backup withholding." Under the IRS's backup withholding rules, we must withhold a certain percentage on payments to you if:

  • You have not given us your taxpayer identification number in the required manner.
  • The IRS has notified us that the taxpayer identification number you provided is incorrect.
  • The IRS has notified us to start withholding on interest and dividends because you had not reported all of your interest or dividend income in prior years; or
  • You have not certified that you were not subject to backup withholding on interest and dividends.

For more information, see Topic 307 at

You will need a computer with Internet access to use Online Banking. Using a recommended browser with javascript enabled and 256-bit encryption will provide the best website performance and will have the latest security features to protect your online banking.

FNBO Direct Online Banking supports the following browsers: