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This page will help you understand what to expect before, during, and after conversion, including key dates, access updates, payment changes, and account details, so you can prepare and continue managing your accounts with confidence. Many parts of the transition will happen automatically. In some cases, you may need to take action to help avoid disruptions to account access, payments, and digital services.
 
All times listed in this guide are in Central Time.

Important Dates & Required Actions

Complete Before August 15

  • Update Contact Information

Confirm or update your phone number and email address with Country Club Bank — this will be used to verify your identity when accessing FNBO Online and Mobile Banking

Choose a Method to Update Your Contact Information:
  • Online BankingAdministration > Self Administration > Personal Preferences
  • Mobile AppMore > Login & Security > Contact Info
  • Call 816-931-4060
  • Visit your nearest branch
August 1 – 31

  • Save Your Records

Print or save screenshots of any scheduled or recurring payments through BillPay you have set up through online banking. This will make it easier to review and confirm everything after conversion
If you currently receive Analysis Statements, historical statements will not be accessible after conversion. Download or print any statements you need for your records in advance
By September 4

  • Watch for Your New Debit Card

If you haven't received your card, please contact Client Support at 816-931-4060 so we can assist you

What to Expect

  • You should receive your new FNBO Visa® debit card, which will replace your Country Club Bank Mastercard® debit card. Your new card cannot be activated until September 14
  • Instructions on when you can activate and start using your new FNBO Visa® Business debit card will be on the card activation sticker
September 9 – 11

  • Prepare for Conversion Weekend

Any unclaimed Zelle® payments will be canceled on Friday, September 11, not paid and returned to your account, so please plan to complete or resend payments using an alternate method
To avoid delays, please complete any bill payments due between September 11–14 prior to Friday, September 11
Please confirm that any automated deposits or payments are using routing number 101001306 or 104000016 to prevent interruptions

What to Expect

  • Zelle® will be disabled within your Country Club Bank Online and Mobile banking applications on September 9
  • Country Club Bank BillPay and Mobile Deposit will be disabled at 5:00 PM on September 10 as we prepare for conversion
  • No payments will be sent during conversion weekend
  • Any wires scheduled to be sent after Friday, September 11 at 3:00 PM will not be processed
  • Country Club Bank Online Banking and Mobile App access will end at 5:00 PM on September 11
  • Final Country Club Bank statements will be processed and mailed
  • Access to your account balance and transaction details will be temporarily unavailable from Friday, September 11 at 5:00 PM until Monday, September 14 at 6:00 AM
September 12 – 13

  • Conversion Weekend

What to Expect

  • Country Club Bank locations will be temporarily closed over the weekend while your accounts are converted to FNBO
  • FNBO branch locations will also be unavailable during conversion weekend while your accounts are converted to FNBO
September 14 & 16

  • FNBO Access Begins

Activate and begin using your new FNBO Visa® Business debit card for purchases and ATM transactions
Confirm checks are using routing number 101001306 or 104000016. Checks with any other routing number may be delayed or returned
Account administrators should review all users and permissions after conversion to ensure access is set up correctly
Review your BillPay setup using the records you saved before conversion as send and delivery dates may have been adjusted
Set up Paperless Statements and alert preferences to stay informed about your accounts
Download the FNBO Mobile Banking app to your device for convenient access
Update wire transfer instructions, if applicable

What to Expect

Account Conversion Overview

  • Continue using 101001306 prior to conversion
  • Update new or future payments to FNBO routing number 104000016 after September 11
  • Using other routing numbers may result in delays or returned transactions

  • Existing transactions will continue uninterrupted
  • Update any new or future payments with FNBO routing number 104000016 after September 11

  • New wire instructions take effect September 14

  • Ensure your account contact information is current to avoid processing or access issues

  • Checking, savings, and CDs will remain the same
  • New loan account numbers will be provided separately

  • You may continue using existing checks and deposit slips until your supply runs out
  • New check orders will include FNBO routing number 104000016

  • Terms remain unchanged until maturity (rate, maturity date, beneficiaries)
  • At renewal, FNBO standard terms will apply

  • Box numbers will include a new prefix
  • Pricing will transition to FNBO rates starting September 14
  • A one-cycle discount will apply to maintain your current rate

  • Overdraft* and return item handling may result in fees
  • Payment decisions are made at FNBO’s discretion

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).

Accessing Your Accounts

Online & Mobile Banking

Available starting Monday, September 14, after 8:00 AM.

Learn More

ATM Access

Starting 9/14 you'll gain access to FNBO ATMs and 55,000+ surcharge free ATMs (Allpoint Network)

View Locations

Other Ways to Access

  • Your current card expires at 3:59 AM on September 14
  • New debit card daily limits:
    • $5,000 purchases
    • $1,000 ATM withdrawals
  • Inactive cards (no use in 12 months) will not be replaced

  • Final CCB statement includes activity through September 11 (mailed paper copy)
  • First FNBO statement begins September 14
  • Statement cycles may change for some accounts

What You Need to Update

  • Before Conversion (Complete by September 11)
    • Download or save your BillPay history and scheduled activity
    • Capture screenshots of any scheduled or recurring payments for reference
  • After Conversion (Starting September 14 at 8:00 AM)
    • Verify Scheduled Payments
      • Confirm all payees and scheduled/recurring payments transferred correctly
      • Adjust timing or details if needed

  • eBills will not transfer
  • Re-establish billing directly with your billers

  • Ensure sufficient funds are available until payments fully process
    • Check payments are not debited until cashed

Important Account Information & Details

For complete details about your accounts, services, and applicable terms, please refer to the Important Account Information & Details booklet. This resource includes full disclosures, account-specific information, and additional guidance to support your transition.

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.

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.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
U.S. checking or savings account required to use Zelle.

© 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.