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Coronavirus – Resources, Branch Updates & Stimulus Check Information.

Coronavirus Resources

Get the latest on the Paycheck Protection Program (PPP).

PPP Information

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.
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