*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 Checking- 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 “JOIN” 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 10/31/2023 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.

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.

³ Credit Card - See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration or forfeiture.

⁴ Certificate of Deposit- With $500 minimum deposit and an FNBO Premier Checking Account. Offer available in the Wyoming market. Annual Percentage Yield accurate as of 8/16/2023. A penalty may be assessed for early withdrawal. Member FDIC. No brokered accounts. Consumer accounts only. FNBO reserves the right to limit deposits.

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. 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).

⁶ 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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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