FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Our focus is on you.
For more than 165 years, FNBO has been privately held and family-led for six generations providing personal and business banking, mortgage, payment solutions, wealth management and more.
Locations in Colorado.
Stop on by. We have branch locations serving the following communities:
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At FNBO, you don’t have to compromise between the capabilities of a big bank or the individual attention of a small one. Whether it’s personal or business, get the tools, products and care that make banking easier and more human.
Award-winning, people-focused, local and here to help—FNBO helps you save more, stress less and enjoy what matters most. We want to show you why we're considered one of the best banks in Colorado. Visit a Colorado branch today.
Show your pride every time you pay.
Rep your state with a card that looks like home. Free with any FNBO checking account. Rated one of GOBankingRates' Best Checking Accounts of 2025. See why we're a top pick and open your account today.
FNBO Products & Services to Help You Do More.
Checking Accounts
Open a free checking account or earn interest with our high interest checking account. Visit a branch or apply online today.
Savings Accounts
Whether you're looking to open a Savings Account, Money Market, HSA or even a Kids Savings Account we offer competitive interest rates that will help you reach your savings goals.
Mortgages
We offer a number of mortgage options to meet your homebuying needs including FHA, VA Loans and Conventional Mortgages. Apply online today to lock in your rate or meet with a mortgage loan officer to discuss your borrowing options.
Small Business Checking Accounts
Open a Free Business Checking account that has unlimited transactions and no minimum balance or maintenance fees. Our team is here to help you find the business banking services you need to manage your business finances.
Small Business Credit Cards
Whether your goal is to earn cashback on your business purchases or you're looking for a card with competitive interest rates our business credit card options can help you take care of business expenses while giving you peace of mind.
Small Business Loans
Let us help you take your business to the next level with a small business loan, line of credit or an SBA loan. As an SBA Preferred Lender we can help businesses who are just starting out as well as companies that are rapidly growing. Meet with one of our team to discuss your options.
Wealth & Institutional Solutions.
Experience comprehensive wealth solutions from FNBO Wealth's Colorado team, spanning investments, planning, private banking, trust and estate services, and institutional management. Our dedicated professionals deliver personalized strategies to build, preserve, and transition your wealth with confidence.
Commercial Banking Solutions.
Take advantage of a relationship-driven approach to commercial banking. From capital and liquidity solutions to global payments, lending, and industry-specific offerings, FNBO delivers a unified suite of commercial capabilities.
GoBankingRate. (2025, January 2) Best checking accounts of 2025.