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FDIC Ribbon

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC Ribbon
FDIC Ribbon

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Our focus is on you.

FNBO was founded in Omaha in 1857, three years after the city itself. There’s one bank in Omaha that’s been here from the beginning. We’ve grown alongside each other, in part because of each other.

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 Omaha.
Stop on by. We have branch locations serving:

  • Omaha
  • Bellevue
  • Elkhorn
  • Gretna
  • La Vista
  • Papillion

Award-winning, people-focused and with you where you are—FNBO helps you save more, stress less and enjoy what matters most. Visit an Omaha 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. Find out what we do to build strong communities right here at home and across the Midwest.

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Pictured: Sara G., FNBO employee

Impact by FNBO logo
Employee volunteering at a Habitat for Humanity work site.

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.

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Stay Protected

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

One that's free.
No fees or minimums.

Award-winning free checking. FNBO Free Checking makes it simple to keep what’s yours — so there’s more for you to enjoy. Rated one of GOBankingRates' Best Checking Accounts of 2025 and backed with award-winning customer service by USA Today.

Bank your way, save more and show your style whether you're patriotic, a fanatic or just looking to pay with style, we have the card to match. 

Debit Card Collage

Mobile Banking

On-the-go banking for your on-the-go life.

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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.

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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.

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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.

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Personal or Small Business Credit Cards

Whether you want to earn cash back, save on interest or book a getaway—FNBO has a credit card for you.

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.

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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.

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Wealth & Institutional Solutions.

Experience comprehensive wealth solutions from FNBO Wealth's Nebraska 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.

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Commercial Banking Solutions

Take advantage of a relationship-driven approach to commercial banking, rooted right here in Omaha. 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.

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Featured: Omaha business, Bianchi Candle Co.

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).

GoBankingRate. (2025, January 2) Best checking accounts of 2025.

https://www.gobankingrates.com/

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.

© 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

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