*Limited quantities available for giveaways. One item per customer. Available while supplies last.

¹ Grand Opening Sweepstakes- No purchase necessary. Must be 18 years of age or older. Click here for complete details.

² Credit Card - See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration or forfeiture.

³ Certificate of Deposit- Advertised rate requires an FNBO Premier checking account. Annual Percentage Yields (APYs) are accurate as of 08/16/2023 and are subject to change without notice. Minimum deposit to open an account and minimum balance to obtain the advertised APY is $500. A penalty will be assessed for early withdrawal and fees may reduce earnings. Offer available in the Wyoming market. No brokered accounts. Consumer accounts only. FNBO reserves the right to limit deposits.

⁴ Business Savings Bonus- Account bonuses are subject to IRS reporting and will be reflected on a 1099-INT statement.

⁵ If your daily balance is equal to or less than $250,000.99: the interest rate paid on the entire balance of your account will be 4.17% with an Annual Percentage Yield of 4.25%. If your daily balance is $250,001.00 or more: a 4.17% interest rate with an Annual Percentage Yield of 4.25% will be paid on the first $250,000.99 and a 0% interest rate with an Annual Percentage Yield of 0% will be paid on any balance of $250,001.00 or more. Based on current rates and depending on the balance in your account, interest rate tiers are as follows: If your daily balance is up to $250,000.99 your Interest Rate is 4.17% and you Annual Percentage Yield is 4.25%. $250,001.00 and above your Interest Rate is 0.00% and your Annual Percentage Yield is 0.00% After six (6) months: This account will be converted to the Business Savings product after the first six months. The current rates for the Business Savings Account can be seen on the Rate Sheet. Please review the standard deposit account disclosure information in the deposit account guide for additional information on Business Savings Account. * The annual percentage yield is accurate as of the publication date. Fees could reduce earnings.

Offer valid for new business customers on one new business savings account, upon customer request. A new business customer is defined as an applicant who does not have an open Business Checking, Business Savings or Business Money Market account at the time of the campaign launch. FNBO has discretion to determine what constitutes a new customer.

Subsequent savings products opened will not be considered for eligibility. No minimum opening balance or deposit required. The bonus rate offer is valid only in a Business Savings product type. The account must be open, active, and not subject to a hold to receive a bonus. Offer valid only in FNBO branded branches in CO, IA, IL, KS, NE, SD, TX, and WY. FNBO reserves the right to recoup or withhold bonuses at its discretion. Accounts must be opened by September 30th, 2023 to be eligible.

The bonus rate of 4.00% is valid from the date of account opening through Nov 30, 2023 (Bonus Period). The Annual Percentage Yield (APY) is a blended APY based on the 4.00% bonus rate for the bonus period and the standard interest rate for the remainder of the annualized period. The bonus rate is valid for balances $0 – 249,999.99. Balances $250,000 plus will receive a standard interest rate. After the bonus rate period ends November 30, 2023, the account will default to standard savings tiers and rates / APY. Interest rates and Annual Percentage Yields may change at any time without prior notice, before or after the account is opened.

Interest is calculated using the daily balance method. This method applies to a daily periodic rate to the principle balance each day. Interested is compounded and credited monthly. Interest begins to accrue on the business day we receive credit for the deposit of non-cash / collected balances. Interest accrued will be paid, without penalty, at account closing. No minimum savings deposit balance is required to receive the bonus rate. The bonus rate will be applied within 72 hours of the account opening for eligible accounts.

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Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC. First National Bank of Omaha and First Investments & Planning are not registered broker/dealers and are independent of Raymond James Financial Services, Inc. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Raymond James Corporate Privacy Notice may be accessed here.

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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