FDIC-Insured - Backed by the full faith and credit of the U.S. Government
One Bank for Your Business.
Local expertise. Regional strength. Business banking solutions built for Lincoln companies.
Local expertise. Regional strength. Business banking solutions built for Lincoln companies.
Local Banking for What’s Next in Lincoln, NE.
Whether you’re expanding operations near downtown Lincoln, investing in property along the I‑80 corridor, or managing complex treasury needs, FNBO delivers tailored banking solutions backed by experienced professionals who know your market.
- Local decision-making for faster turnaround
- Deep understanding of Nebraska industries
- Long-term relationships, not short-term transactions
- Support for business growth with dedicated teams in Lincoln and the surrounding communities
Lincoln Customer of FNBO: The Chocolate Season
The Chocolate Season
"Honestly, I made the switch to FNBO because I had personalized one-on-one service. We had a rep come and talk to me directly. And he was telling me all the ways he can help The Chocolate Season grow, either with a line of credits, doing different cards, purchasing power, the free business checking, having savings account there. We moved our personal and our business checking over."
About FNBO - Award-winning. Customer-focused. Local.
FNBO (First National Bank of Omaha), a subsidiary of First National of Nebraska, Inc. (FNNI), is one of the largest privately held banks in the U.S. and has been in business for nearly 170 years. FNNI and its affiliates have $35 billion in assets and more than 4,500 employees. Founded in 1857, FNBO is rooted in six generations of family leadership. Today we operate as a full-service commercial bank in Lincoln, combining local decision-making with long-term stability.
At FNBO, we understand the Lincoln business landscape—from emerging startups and family-owned companies to established organizations supporting Nebraska’s capital city, our state, country, and the world. Our commercial banking team combines local insight with the resources of a full-service financial institution to help your business grow, manage cash flow, and plan for the future.
Award-winning, people-focused, local and here to help, our commercial bankers serve businesses throughout Nebraska. Discover why we're considered one of the best banks in Lincoln. Visit us today.
Lincoln Bankers Who Know the Market
Nathan McKown | Managing Director, Commercial Banking
Lincoln, NE
“Commercial banking is built on trust and a deep understanding of our clients’ needs. Our role is to bring expertise and collaboration together to help businesses reach what matters most to them.”
Derek Kay | Sr. Advisor, Commercial Banking
Lincoln, NE
"Commercial banking is the backbone of Lincoln’s growth—when local businesses have access to strong financial partnerships, the entire community thrives."
Harrison Stark | Sr. Advisor, Commercial Banking
Lincoln, NE
“Banking in Lincoln is about more than loans and deposits—it’s about building relationships that empower local businesses to grow, hire, and invest right here at home.”
Tom Klein | Sr. Advisor, Commercial Banking
Lincoln, NE
“Strong banking relationships in Lincoln are rooted in community. By understanding the people and businesses we serve, we’re able to build connections that drive both economic growth and local impact.”
- Nathan McKown
- Derek Kay
- Harrison Stark
- Thomas Klein
Commercial Banking Solutions That Move Lincoln Businesses Forward
- Commercial Lending & Lines of Credit
- Treasury Management & Payments
- Core Deposits & Business Banking
- International Banking
- Agribusiness
Commercial Loans & Lines of Credit in Lincoln, NE tailored to your industry and cash flow needs.
Flexible financing solutions designed to support growth, manage cash flow and fund strategic initiatives. Options include term loans, equipment financing and revolving lines of credit, tailored to help businesses invest confidently while maintaining liquidity and long‑term financial stability.
Treasury management services for Lincoln businesses to optimize liquidity and reduce risk.
A suite of digital banking tools that help businesses control cash flow, streamline payments and reduce risk. Services include
- ACH and wire services
- Payables and receivables management
- Commercial credit cards
- Merchant Services
- International banking
- Deposits and insured cash sweeps
- Information reporting
- Fraud prevention solutions designed to improve efficiency and visibility.
Business banking accounts in Lincoln Nebraska with digital access and local support.
Whether you’re looking to open an operating account for daily expenses, grow your cash with competitive interest rates or insure deposits, contact your FNBO banking partner to find the solution best for your business.
International Banking
When your business is ready to import or export to new markets, or if you’re currently doing business internationally, go global with FNBO at your side. Our international banking advisors have expertise on issues such as moving funds in and out of the country, managing foreign currency risk and tools such as letters of credit and technology solutions to reduce your payment risks. Specialized services include:
- Multicurrency Accounts
- Forward Contracts
- Letters of Credit
- Documentary collection
- Foreign Exchange
- Cross Border Payments
Agribusiness
FNBO’s agriculture loans are built for the realities of today’s farming and agribusiness operations, offering flexible lines of credit and term financing to support cash flow, seasonal needs, equipment, livestock, and land investments. Local decision‑making and deep industry expertise help producers act quickly and plan confidently for long‑term success.
Specialized Services
The Fraud Risk Many Business Owners Underestimate
It starts with an email or phone call from someone who sounds exactly like a person you trust, like a CFO approving a wire or a vendor updating banking details. The request feels routine, even urgent. An employee sends the payment. By the time anyone questions it, the money is gone.
This is Business Email Compromise, and it's growing. The FBI reported $2.77 billion in BEC losses in 2024 alone.
Many business owners also assume commercial accounts carry the same protections as personal ones, but they don't. Businesses are expected to maintain strong internal controls and identify unauthorized activity quickly.
The good news: practical steps make a real difference. A commercial banker can help businesses evaluate payment controls, establish effective approval processes and identify vulnerabilities before criminals do.
Prevention is the only reliable defense. Once money leaves the account, recovery is uncertain and time is not on your side.
For five practical steps your business can take to help reduce fraud risk, read the full article.
Insights for Businesses Navigating Change
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.
Pictured: Sara G., FNBO employee
Set for Success: Inside Nebraska Volleyball
What does it take to lead one of the most successful programs in college sports? Nebraska Volleyball Head Coach Dani Busboom Kelly joins The Vault to discuss leadership, culture, recruiting, the evolving world of NIL, and why playing with joy is just as important as winning.
Wealth & Institutional Solutions.
Experience comprehensive wealth solutions from FNBO Wealth's Lincoln 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.
Looking for Personal Banking?
FNBO Personal Banking offers a full suite of checking, savings, credit card, mortgage, and digital banking solutions designed to support your everyday financial needs. Whether you’re building savings or planning for the future, FNBO provides the tools and guidance to help you bank with confidence.
Frequently Asked Questions (FAQs)
FNBO offers commercial banking services in Lincoln, including business checking, treasury management, commercial lending, equipment financing, and commercial real estate loans.
Lincoln businesses work with FNBO to structure financial solutions that support daily operations, long‑term growth, and cash flow management.
Yes, FNBO provides commercial banking services throughout Nebraska.
This includes Omaha, Lincoln, Grand Island, Kearney, Fremont, and other communities across the state.
FNBO’s commercial bankers serving Lincoln are locally based.
Having local bankers allows FNBO to provide faster response times and insights specific to Lincoln’s business and economic environment. FNBO has commercial bankers at the downtown Haymarket office in Lincoln.
FNBO works with a wide range of Lincoln businesses, from small and mid‑sized companies to larger public and privately held organizations.
This includes professional services firms, non-profits, manufacturers, agribusinesses,wholesale and distributors, construction, private equity firms, commercial real estate investors, and family‑owned businesses.
Yes, FNBO offers commercial lending solutions for Lincoln businesses.
Loan options may include lines of credit, term loans, owner‑occupied and investor commercial real estate financing, and equipment financing, based on business needs and qualifications.
Yes, FNBO helps Lincoln businesses manage cash flow through treasury management solutions.
Services may include digital banking tools, ACH and wire services, receivables management, commercial credit cards, international banking, deposits and insured cash sweeps, and fraud prevention solutions designed to improve efficiency and visibility.
FNBO supports Nebraska business growth by aligning banking solutions with each company’s goals and stage of development.
Commercial bankers take a long‑term, relationship‑driven approach as businesses expand, invest, or transition ownership.
Yes, FNBO can support Nebraska‑based businesses that operate across multiple states.
FNBO combines strong Nebraska roots with a broader multi‑state footprint to help businesses scale beyond state line
You can contact FNBO’s Lincoln commercial banking team directly to discuss your business needs.
An FNBO commercial banker will review your goals and recommend appropriate services and solutions. You can visit https://www.fnbo.com/commercial-banking/commercial-bankers to contact any Lincoln banker.
Businesses choose FNBO for commercial banking in Lincoln and Nebraska because of local decision‑making, relationship‑focused service, and long‑standing financial strength.
As a bank with deep roots in Nebraska, FNBO partners with businesses to deliver thoughtful, customized banking solutions.
GoBankingRate. (2026, June 4) Best checking accounts of 2026.
-
Nearly 170 years of putting customers first.
-
-
Products
-
-
-
Company
-
-
-
Legal Information
-
© 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.