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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

What to Expect

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® 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
  • BillPay and Mobile Deposit will be disabled at 5:00 PM on September 10 as we prepare for conversion
  • Your BillPay information will automatically be converted to FNBO
  • 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 will be temporarily unavailable over the weekend while your accounts are converted to FNBO
September 14 & 16

  • FNBO Access Begins

Activate your new FNBO Visa® debit card for purchases and ATM transactions
Update any recurring payments, subscription services or online-stored payment options
Confirm checks are using routing number 101001306 or 104000016. Checks with any other routing number may be delayed or returned
Review your BillPay setup using the records you saved before conversion to confirm accuracy
Set up Paperless Statements and alert preferences to stay informed about your accounts
Enroll in Zelle® and setup any previous payees using the records you saved before conversion
Download the FNBO Mobile Banking app to your device for convenient access
Update wire transfer instructions, if applicable

What to Expect

  • Branches reopen as FNBO with normal hours of operation
  • FNBO Online and Mobile Banking is now available
  • Mortgage Loans become available in FNBO Online Banking September 16

Account Conversion Overview

  • Your accounts will convert to comparable FNBO accounts
  • Find the name of your accounts on your bank statements or when you log in online banking.

  • 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

Key changes to be aware of:

  • Mini CDs will renew into a one-year CD
  • Additional deposits are not allowed (except during the grace period)
  • Interest payment timing and calculation will differ

What You Need to Update

  • Payment Setup (External Accounts)
    • If you pay from another financial institution (including BillPay), update:
      • Your new loan number (once received)
      • Payment details, if applicable
  • Final Loan Payment
    • Your final payment will not be automatically drafted
    • You will receive a billing notice with payment instructions

Reference Information

  • Loan Terms
    • Loan and line of credit terms will not change (unless otherwise notified)
  • Loan Number
    • You will receive a new FNBO loan number in a separate communication
  • Payment Options (Starting September 14)
    • FNBO Online Banking
    • Any FNBO branch
    • Mail to:
      FNBO
      PO Box 3803
      Omaha, NE 68103
  • Automatic Payments
    • Payments from a CCB account will continue automatically
    • Payments scheduled on weekends or holidays will process the next business day

What to Expect Next

  • You will receive a separate lending communication with:
    • New loan number
    • Payment details
    • Any required actions

  • Servicing of your mortgage loan will transfer to FNBO effective Monday, September 14.

  • 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

What You Need to Update

Incoming Wire Instructions

  • Begin using FNBO wire details effective September 14
    • Routing number: 104000016
    • SWIFT code: FNBOUS44
  • Share updated instructions with any parties sending wires to you

Wire Access Setup

  • To request wires by phone, you must enroll for a Wire PIN at a branch
  • If you use wire drawdown services, you must enroll with FNBO to continue

Reference Information

Requesting a Wire (Starting September 14)

  • Visit an FNBO branch, or
  • Call in using a Wire PIN (after enrollment)

Wire Cutoff Times

  • Incoming wires: 5:45 PM
  • Domestic outgoing wires: 4:45 PM
  • International outgoing wires: 4:00 PM

International Wires

  • Require a Wire PIN or FX online enrollment
  • Available through branch or Global Banking Team

Support Contacts

  • Wire Operations (USD wires): 800-638-9777
  • Treasury Support: 866-461-1467
  • Global Banking Team: 888-464-7804

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

  • Temporary limits (Sept 11, 5:00 PM – Sept 14, 3:59 AM):
    • $2,500 purchase limit
    • $500 daily ATM withdrawal limit 
  • Transactions will post after conversion is complete

  • 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

Reference Information

  • What Transfers Automatically
    • Payees
    • Scheduled and recurring payments
    • Internal transfers (unless otherwise notified)
  • Payment Processing Changes
    • Electronic payments:
      • Debited one business day before delivery date
    • Check payments:
      • Sent 5–7 business days before delivery date
      • Funds are withdrawn when the check is cashed
  • Send vs. Deliver Dates
    • Send date: when payment is issued or funds are debited
    • Deliver date: when payment is expected to arrive to the payee
  • History & Statements
    • BillPay history will not transfer
    • Up to 12 months of statement history will be available after conversion
  • Returned Items (Checks)
    • Checks may be returned on first presentment unless enrolled in second presentment processing

Location Address Conversion Date
Downtown Branch1100 Main St, Kansas City, MOAugust 4
1 Ward Pkwy Branch1 Ward Pkwy, Kansas City, KSAugust 5
Prairie Village Branch9400 Mission Rd, Leawood, KSAugust 6
Mission Hills Branch2001 Shawnee Mission Pkwy, Mission, KSAugust 6
Spruce Drive Up1920 Spruce St, Leavenworth, KSAugust 10
Lee's Summit Downtown32 SE 3rd St, Lee's Summit, MOAugust 11
Hallbrook Branch11181 Overbrook, Leawood, KSAugust 12
South Leawood Branch13451 Briar St, Leawood, KSAugust 12
Lansing Branch100 4-H Road, Lansing, KSAugust 13
Wood's Chapel Branch831 NE Woods Chapel Rd, Lee's Summit, KSAugust 18
Northtown Branch401 Armour Rd, North Kansas City, KSAugust 19
Belton Branch202 East North Ave, Belton, KSAugust 20
Olathe 151st Branch18675 W 151st St, Olathe, KSAugust 25
Olathe College Branch23600 College Blvd, Olathe, KSAugust 25
Raymore Branch1000 Foxwood Dr, Raymore, KSAugust 26
Village West Branch11006 Parallel Pkwy, Kansas City, KSAugust 27
Trafficway Branch4343 Belleview, Kansas City, KSSeptember 1
Harrisonville Branch1601 S Commercial St, Harrisonville, KSSeptember 2
Shawnee Monticello Branch21911 W 66th St, Shawnee, KSSeptember 3
Leavenworth South Branch2310 S 4th St, Leavenworth, KSSeptember 9

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.