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).

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Raymond James financial advisors may only conduct business with residents of the states and/ or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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