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The great big small bank

Free Checking

Our checking is free.  And then some.

Home Mortgage

Is the timing right to refi?

Credit Card

Choose a credit card that's right for you.


Your unique situation needs a tailored

Commercial Banking

With you for day-to-day basics or long term

Small Business

Consider us committed to your business.

What our customers are saying

  • "No matter where I'm at, FNBO will always be my bank."

    - Joseph Z., Kearney, NE

  • "Class-act bank with knowledgeable, caring and positive employees."

    - Yankton, SD

  • "What a great bank! First bank that I've used that doesn't take advantage of customers. 10 stars!"

    - Robin P., Wellington, CO

  •  "FNBO always has my back! Answers questions and helps me out. Thanks!"

    - Bibiana L., Grand Island, NE

  •  "Exceptional client care during a difficult period in my life with the passing of my father."

    - Jeanne W., Allen, TX

  •  "They made applying for a credit card a lot less scary than I thought it would be."

    - Omaha, NE

* For J.D. Power 2020 award information, visit