FDIC-Insured - Backed by the full faith and credit of the U.S. Government
ONE FOR KANSAS CITY.
Not only with you, ONE bank that's for you.
Now's the time to open a FREE Checking account, with no fees or minimums, and get your Heart KC Visa Debit® Card.
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Ready to make the switch? Moving your account to FNBO is simple.
ONE TO LOVE.
Free with FNBO Checking.
Show your hometown pride wherever you go with the NEW Heart KC Visa® debit card. Iconic design. Raised detail. Premium finish.
Our focus is on you.
Founded in 1857, FNBO is one of the nation’s largest privately held and family-led banks with more than 120 branch locations across nine states, including 29 branches currently in Kansas City, following the recent acquisition of Country Club Bank, which has been a trusted local institution in Kansas City for more than 70 years. FNBO is proud to continue to grow in the Kansas City Metro as we announced the latest acquisition of Blue Ridge Bank & Trust Co.
FNBO is rooted in six generations of family leadership providing personal and business banking, mortgage, payment solutions, wealth management and more.
Locations in the Kansas City Metro. Stop on by.
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Award-winning, people-focused and with you where you are—FNBO helps you save more, stress less and enjoy what matters most. Visit a KC Metro branch today.
An unwavering focus on building strong communities.
A strong community is built by belief. Belief in the place and the people. Belief in staying and investing while others come and go. Believing from the start.
FNBO employees participated in over 3,100 volunteer service hours to make an impact on the Kansas City metro area in 2025.
Find out what we do to build strong communities right here at home and across the Midwest.
How banking with FNBO is different.
Taking deposits and making loans places FNBO within a virtuous cycle of community success that provides impact at every level. When you trust us with your deposits, you enable us to make loans. We become a catalyst to make things happen that may not happen otherwise, which contribute to the strength of the local economy. As this cycle continuously repeats, it keeps a community strong and allows us to stay focused on our noble mission, reinvesting in our customers and the communities we serve.
Here are four reasons you can feel good about banking with us:
- Building our local economy. Unlike some banks that take deposits in one state and lend in others, we invest in the communities where you live and work, helping local businesses and individuals thrive.
- Bolstering business growth. We bank businesses of all sizes in your community with a full array of financial services.
- Supporting local lending. Your deposits help fund business loans and home mortgages in your community.
- Contributing to our community. Banking with FNBO funds our community investment, and we believe the success of our communities is directly tied to that investment.
Switch to FNBO, we are here to make it easy.
Get Started
- Open your account in minutes, choose your debit card, enroll in online banking and fund your account — online or in branch.
- Download the FNBO mobile app for easy, on-the-go access.
Stay Protected
- Customize your overdraft protection, set up account alerts and go digital with paperless statements.
Put Smart Tools to Work
- Set up direct direct deposit, schedule automatic payments with bill pay and pay easily with Apple Pay®2 or Samsung Pay®2 at hundreds of stores.
- Send money fast and securely to family and friends with Zelle®1.
Plan What's Next
- Build your financial future with confidence. Schedule a complimentary planning consultation.
One App.
The FNBO app that gives you power and freedom to save time and bank your way.
FNBO Offerings & Services to Help You Do More.
Checking Accounts
Savings Accounts
Mortgages
Credit Cards
Small Business Checking Accounts
Small Business Loans
Wealth & Institutional Solutions.
Experience comprehensive wealth solutions from FNBO Wealth's Kansas City 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, rooted right here in Kansas City. From capital and liquidity solutions to global payments, lending, and industry-specific offerings, FNBO delivers a unified suite of commercial capabilities—backed by local expertise and long-standing relationships.
Featured: Kansas City business, Christopher Elbow Chocolates
The payment of transactions into overdraft is discretionary and we reserve the right to not pay. Generally, we do not pay overdrafts if you are not making regular deposits, or you have excessive overdrafts, or based on your account history and how you maintain your account. We may change your overdraft privileges due to poor account management.
We may pay overdrafts for checks and other transactions using your account number and for automatic bill payments (ACH and recurring debit transactions), and if you give us permission, we may authorize and pay overdrafts for ATM transactions and everyday non-recurring debit transactions (individual debit card purchases such as grocery store or one-time online purchases). Our expectation is you bring your account to a positive balance immediately (including payment of all bank fees and charges).
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
2 App Store and the Apple Logo are registered trademarks of Apple Inc. Google Pay and Google Pay Logo are trademarks of Google LLC. All trademarks, service marks, and trade names are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
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Nearly 170 years of putting customers first.
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Legal Information
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© 2026 First National Bank of Omaha (FNBO). All Rights Reserved. 1601 Dodge Street, Omaha Nebraska, 68197
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.
NMLS 412727
Cards are issued by FNBO (First National Bank of Omaha), pursuant to a license from Visa® U.S.A., Inc. Visa® is a registered trademark of Visa® International Service Association and used under license.
Only deposit products are FDIC insured.
Investment Products are: NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE
Awards based on independent surveys and editorial methodologies for the years shown. Recognition does not imply endorsement or affiliation.