Skip to Content

Highest in Customer Satisfaction with Retail Banking in the Midwest

It's what you can expect from the great big, small bank.

See What Makes Us Different

Fearlessly Free Checking

Award winning checking accounts that go wherever you go.

Apply Today

With you for your refinancing needs.

A few reasons to consider refinancing your home:
• Lower rate
• Shorter term
• Cash out for home improvement

Learn More

Bring Payments Home with PayMaker

Connect your business to a new world of payment efficiency whenever you are.

Start Your Free Trial

Visit our Coronavirus page for the latest branch updates and helpful resources.

Coronavirus Resources

Get the latest on PPP Forgiveness.

PPP Forgiveness

Free Checking

Our checking is free.  And then some.
Learn More

Home Mortgage

Is the timing right to refi?
Learn More

Credit Card

Choose a credit card that's right for you.
Learn More

Wealth

Your unique situation needs a tailored
approach.
Learn More

Commercial Banking

With you for day-to-day basics or long term
objectives.
Learn More

Small Business

Consider us committed to your business.
Learn More
The great big small bank

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 JDPower.com/Awards.