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Up to $700 Cash Bonus for new customers!

With FNBO Free Checking, Savings & Evergreen® by FNBO Credit Card.*

Up to $300 BONUS

After you open an FNBO Checking account with qualifying direct deposit. FNBO Checking - NOW with no overdraft fees!

+ Up to $200 BONUS

After you open an FNBO Savings account following the checking account on the same business day and maintain an average balance of $3,000 for 90 days from account opening.

+ $200 Cash BONUS (20,000 points equivalent)

When you open an Evergreen® by FNBO Credit Card and spend $1,000 within the first 3 billing cycles after account is opened.7

    Up to a $300 Bonus when you open a new checking account with a qualifying direct deposit*

    Fee-less, Fearless and Free Checking

    • No fees
    • No minimums
    • And NOW no overdraft fees

    It's what you can expect from the great big small bank.

    Account Summary

    • No overdraft fees5
    • No monthly service fee
    • No minimum deposit to open or minimum balance requirement
    • No ATM fees from us (other banks and ATM operators' surcharges may apply)4
    • Free Bank Logo Checks
    • Free Statements - online or paper
    • Free cashier's checks, incoming wires and stop payments

    New Customers Only
    Use Promo Code: 700
    See important bonus details below

    Follow these easy steps.

    Open Your Checking Account

    Open an FNBO Checking account by March 20, 2023 using the promo code 700. You'll see your $50 opening bonus within 30 days of opening your new account.

    Checking Direct Deposit

    Set up and receive qualifying direct deposits in your new checking account. Direct deposits totaling $1,500 must post to your account three 31-day periods in a row.

    Checking Direct Deposit Bonus Time

    Your $250 bonus will be deposited into your new checking account. You'll see the bonus within 30 days of your third qualifying direct deposit.

      Up to a $200 bonus when you open a new Savings account*

      Savings

      It’s more than a savings account, it’s a peace-of-mind and reach-your-goal account. It’s also hassle free with zero monthly service fees, no minimum balance and no minimum deposit.

      • Earn interest while you save – relationship savings rates are available with an FNBO checking relationship
      • No monthly service fee
      • $0 minimum deposit to open or minimum balance requirement
      • Free online or paper statements

      New Customers Only
      Use Promo Code: 700
      See important bonus details below

      Follow these easy steps.

      Open Your Savings Account

      Open an FNBO Savings account the same day as checking. You'll see a $10 opening bonus within 30 days of opening your new account.

      Savings Bonus Time

      Your $190 bonus will be deposited into your new savings account when you maintain a $3,000 balance for 90 days and you meet the checking account qualifications. You'll see the bonus within 30 days of when qualifications are met.

        Up to $200 bonus (20,000 points equivalent) when you spend $1,000 within the first three billing cycles after the account is opened. Footnote seven.

        Evergreen® by FNBO Credit Card

        Live and earn. Wherever life leads. Only with Evergreen®

        • Earn Unlimited 2% CASH BACK7 on every purchase. Every day. Everywhere.
        • $200 cash bonus (20,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after account is opened.7
        • No Rewards expiration.7
        • 0% introductory APR6 for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable APR6 based on the Prime Rate between 19.24% and 28.24% APR depending on your creditworthiness.
        • A balance transfer fee6 of 5% applies to each balance transfer that you make (minimum $10).
        • No Annual Fee.6

        Checking & Savings Bonus Details

        Account bonuses are subject to IRS reporting and will be reflected on a 1099-INT statement. The customer is responsible for entering the promo code “700” during online account opening or mention the promotion to a banker. FNBO has discretion to determine what constitutes a new checking or savings customer. Accounts must be open by 03/20/23 to be eligible. FNBO reserves the right to recoup or withhold bonuses at its discretion. The account must be open to receive a bonus. Offer valid only in FNBO branded branches in CO, IA, IL, KS, NE, SD, TX, and WY. Offer valid online in CO, IA, IL, KS, NE, SD, MO, and limited areas of TX, WI, and WY.

        *Checking:

        The $50 new checking account opening bonus will be credited to your account within 30 days of account opening.

        The $250 direct deposit bonus will be credited to your account within 30 days of the date we receive your qualifying direct deposits.* Qualifying direct deposits must be received within 124 days of the account being opened.

        Offer valid for new checking customers on one new account and limited to only one opening bonus and direct deposit bonus. A new checking customer is defined as an applicant who does not have an open Access Debit, Free Checking, Premier Checking or Employee Checking account at the time of campaign launch.

        *A qualifying direct deposit is defined as a deposit, such as a customer’s salary, pension, Social Security, or other regularly monthly income, electronically deposited through the Automated Clearing House (ACH) network to this checking account by your employer or an outside agency. To receive the bonus, a minimum qualifying direct deposit or deposits totaling $500 must post to your checking account for three (3) consecutive 31-day periods for a total of $1,500. The deposits must post to your account within 124 days of account opening. Transfers and/or deposits made via ATM, online or teller, and transfers from a bank or brokerage account do not constitute a credit or direct deposit.

        *Savings:

        Savings account must be opened the same day as checking account. $10 opening bonus will be applied within 30 days of account opening. Savings account must be a Basic Savings, Savings, or Premier Savings product type. Ownership roles must match between the checking and savings accounts.

        Offer valid for new savings customers on one new account and limited to only one opening bonus and one secondary bonus. The savings product opened directly after the new checking will be considered for eligibility. Subsequent savings products opened will not be considered for eligibility. A new savings customer is defined as an applicant who does not have an open Basic Savings, Savings, or Premier Savings account at the time of campaign launch.

        The $190 bonus paid to the savings account will only be available once the checking account qualifications have been met and all bonuses paid out. Additionally, an average balance of at least $3,000 must be maintained in the savings account for 90 days from account opening.** The $190 bonus will be paid to the savings account within 30 days of meeting all requirements. Offer valid for new savings customers on one new account and limited to only one opening bonus and secondary bonus.

        **The balance calculation is an average based on the balance in the account at the end of each business day. Non-banking days such as weekends and federal holidays are not considered in the average. If a deposit of $3,000 is not made upon account opening, it may be necessary to deposit additional funds.

        Texas1

        Product

        APY

        Basic Savings

        .02%

        Savings2

        .05%

        Premier Savings3

        .10%


        All other Markets1

        Product

        APY

        Basic Savings

        .02%

        Savings2

        .04%

        Premier Savings3

        .08%

         

        1APY stands for Annual Percentage Yield and is accurate as of 1/4/23. Rates are subject to change. Fees may reduce earnings.

        2 Requires a Free Checking, Access Debit Account, or Customer First Complete Checking relationship

        3 Requires a Premier Checking, First at Work Free Checking, or Customer First Classic Checking relationship

        Guide To Your Checking Account (PDF)

        Guide To Your Savings Account (PDF)

        View Deposit Agreement (PDF)

        4 Other bank and ATM operators' surcharges may apply.

        5 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 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).

        Note: 'Fees are associated with our wire transfer services.'

        *Important Credit Card Information

        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.

        Q: If I request a balance transfer, will you process the entire amount that I requested? A: We will do our best to accommodate your request. If you are approved, we may permit you to transfer balances from other eligible credit cards or accounts up to the amount of your credit limit we make available for balance transfers (which may be less than your total assigned credit limit). If the total amount(s) requested to be transferred exceed(s) the portion of your assigned credit limit for balance transfers, we may process part of your request or decline your request in our sole discretion. You cannot request a balance transfer to make payments on a First National Bank of Omaha account or any credit card account issued by First National Bank of Omaha.

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

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

        Cards are issued by First National Bank of Omaha (FNBO®) pursuant to a license from Visa U.S.A., Inc. Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.