- You'll continue to bank with the same great associates you know and trust.
- Your deposit account number will remain unchanged for the time being.
- Direct deposits and automatic transfers (including BillPay) will continue without interruption.
- You may continue to use your existing Country Club Bank personal checks.
- Your online and mobile banking access will remain available.
Welcome!
We are delighted to welcome you to the FNBO family. As Country Club Bank becomes a division of FNBO, we want to ensure your transition is smooth and transparent.
Please bookmark this URL and visit it for more updates.
What's staying the same:
What's changing:
- Effective October 1st, 2025, overdraft fees will be eliminated from all personal checking accounts.
- Effective November 1st, 2025, Country Club Bank, a division of FNBO, will no longer offer money orders, travel cards and prepaid gift cards.
- Cashier's checks will replace money orders as our official bank instrument.
- If you have deposit accounts at both Country Club Bank and FNBO, your combined assets could exceed FDIC insurance coverage limits. Please consult with your banker to understand your options for maximum deposit protection. Click here to read more.
Updated Fee Schedule
| Updated Fee Schedule | Previous Fee | Personal Accounts New Fee | Commercial/Small Business New Fee |
|---|---|---|---|
| Overdraft/non-sufficient funds paid or returned fee | $35.00 | $0.00 | $35.00 (No change) |
| Maximum NSF fees per business day (Personal Account only) | $210.00 | $0.00 | N/A |
| Continuous overdraft fee (every 6th business day) | $25.00 | $0.00 | $0.00 |
| Overdraft protection transfer (per transfer) | $7.50 | $0.00 | $0.00 |
| Returned loan payment fee | $35.00 | $0.00 | $0.00 |
| Chargeback fee (per item) | $10.00 | $0.00 | $0.00 |
| Redeposited item fee (per item) | $2.50 | $0.00 | N/A |
| Auto reclear fee (per item) | $2.50 | N/A | $0.00 |
FAQs
- Bank
- Trust Company
- Wealth Solutions
Nothing right now! You'll still work with your regular branch staff at the same branches.
Yes! You'll continue to work with the same great associates you know and trust.
At this time, no. Your deposit account number will remain unchanged for the time being.
As of right now, nothing changes with your debit cards or your checks. As we determine the best path to transition customers to FNBO, debit cards and checks are all important considerations in our strategy. As those impacts become known, we will communicate that information.
At this time, hours of service are not changing.
Until our integration takes place in 2026, Country Club Bank customers can't make transactions at FNBO branches. Country Club Bank customers should continue to use their regular branch locations. https://www.ccbfinancial.com/countryclubbank/locations
There is no change at this time for access to Money Pass ATMs.
Country Club Bank a division of FNBO, First National Bank of Omaha, FNBO and FNBO Direct are the same FDIC-insured bank. If you have deposits in the same right and capacity with more than one of these, those deposits are added together and insured in accordance with the regulations of the Federal Deposit Insurance Corporation (the “FDIC”). They are not separately insured. For additional content around FDIC coverage please click here.
As of October 1st, 2025, Country Club Bank is now part of Midwest-based First National Bank of Omaha (FNBO). This partnership brings together two privately held, family-led institutions with shared values and expanded resources.
We're excited about the enhanced capabilities and new advancements this will bring, including more comprehensive financial solutions and innovative digital tools to better serve your evolving financial needs.
While these improvements are on the horizon, we want to assure you that your immediate experience with Country Club Trust Company will remain consistent. Over the next year, we will provide timely updates as we integrate our operations, maintaining our strong commitment to the Kansas City region throughout this transition.
At this time, there are no changes to your account as a result of this partnership, and no action is required from you. Any future updates or recommendations regarding your investments will continue to be communicated directly by your representative.
Yes, you will continue working with the same CCTC team you know and trust. All contact information remains unchanged.
No action is required from you at this time. Your advisor and the way you access your accounts will remain unchanged as a result of this partnership. Please continue to contact your team as usual for any questions or service needs.
As of October 1st, 2025, Country Club Bank is now part of Midwest-based First National Bank of Omaha (FNBO). This partnership brings together two privately held, family-led institutions with shared values and expanded resources.
We're excited about the enhanced capabilities and new advancements this will bring, including more comprehensive financial solutions and innovative digital tools to better serve your evolving financial needs.
At this time, there are no changes to your account as a result of this partnership, and no action is required from you. Any future updates or recommendations regarding your investments will continue to be communicated directly by your representative.
Yes, your accounts will remain exactly as they are today. Any future updates or recommendations regarding your investments will continue to be communicated directly by your representative.
Yes, you will continue working with the same advisor and team you know and trust. All contact information remains unchanged.
No action is required from you at this time. Your advisor and the way you access your accounts will remain unchanged as a result of this partnership. Please continue to contact your advisor as usual for any questions or service needs.
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© 2025 First National Bank of Omaha (FNBO). All Rights Reserved. 1620 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