FNBO Business Mobile App

Receive $200 bonus with a new Free Business Checking account

With no minimum deposit to open, no minimum balance requirement and unlimited transactions, FNBO Free Business Checking is designed for the small business that values flexibility and cost-control. Offer expires 03/31/2023.

Account Summary

  • Unlimited transactions
  • No minimum balance
  • No monthly maintenance fee
  • Free Online Banking and Account Alerts

Earn $200 Cash Bonus with Evergreen® by FNBO | Business Edition® Credit Card

Ever ready for where your business takes you.

Offer is limited to one $200 bonus per business account.

  • Earn Unlimited 2% CASH BACK2 on every purchase. Every day. Everywhere.
  • $200 cash bonus (20,000 points equivalent) when you spend $3,000 within the first 3 billing cycles after account is opened.2
  • No Annual Fee,1 Category Restrictions, or Rewards Expiration.2
  • Earn 10,000 Bonus Points every Anniversary with $10,000 annual spend.2
  • 0% introductory APR1 on purchases for the first 6 billing cycles after account is opened.
FNBO Business Mobile App

Save $100 on a new Clover® device

Expand the reach of your business with secure, holistic payment solutions and insights.

  • Customized point of sale systems
  • Streamline operations
  • Accept payments easily
  • Manage your business

Qualify for up to $500 in bonuses.

When you bundle your Free Business Checking, Credit Card and Merchant Services Solutions.

FNBO Free Business Checking Bonus

Opening Bonus: The $15 new account opening bonus will be credited to your account within 30 days of account opening.

Secondary Bonus: The account must be open for 30 days to qualify. Payment of the $185 bonus will occur within 30 days of meeting the account age requirement.

Account bonuses are subject to IRS reporting and will be reflected on a 1099-INT statement.

The account must be open, active, and not subject to a hold to receive a bonus. Offer valid only in FNBO branded branches in CO, IA, IL, KS, NE, SD, TX, and WY. Offer valid for new Business Free Checking customers on one new account and limited to only one opening bonus and secondary bonus. A new checking customer is defined as an applicant who does not have an open Business Checking account at the time of the campaign launch. FNBO has discretion to determine what constitutes a new checking customer. FNBO reserves the right to recoup or withhold bonuses at its discretion. Accounts must be opened by March 31st, 2023 to be eligible.

A Guide to Your Checking Account (PDF)

View Deposit Agreement (PDF)

Evergreen® by FNBO | Business Edition® Credit Card

Important Information

Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations. Minimum monthly payments required.

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.

1 For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms.

2 See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earnings, redemption, expiration or forfeiture. Your % back rewards are earned as points.

Maximum Credit Limit is $50,000. Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

FNBO Merchant Services Offer:
$100 offer applies to the Clover® Flex and Clover® Mini. Offer is redeemed as a statement credit after opening a FNBO Merchant Services account. Offer based on device availability.

©2021 Clover Network Inc. The Clover name, logo and related trademarks are owned by Clover Network, Inc., and are registered or used in the U.S. and many foreign countries. Merchant services are provided by First Data Merchant Services LLC dba Clover Business Solutions. EMV is a registered trademark or trademark of EMVCo LLC in the United States and other countries. www.emvco.com. Apple Pay is a registered trademark of Apple, Inc. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.