First Class Kid

FNBO is proud to be an Official Bank of UNK Athletics and the presenting sponsor of the First Class Kid sweepstakes. For each home UNK football game and select Volleyball and Basketball games, a First Class Kid will be chosen. Eligible winners must be between the ages of 5-13. Winner will receive the following prize:

• Six (6) game tickets
• In game recognition
• Special Gift

Get Your Exclusive UNK Visa® Debit Card!

Lopers Debit Card
Lopers Debit Card
Lopers Debit Card

Free Checking

With our Free Checking, there are no hidden fees and no hoops to jump through. Just simple, flexible checking for the modern pace of life.

Account Summary

  • 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)
  • Free Bank Logo Checks

Guide To Your Checking Account (PDF)

View Deposit Agreement (PDF)

Fan Cards are available for select sports as determined by the Universities.

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).