Welcome, Western States Bank Customers.
Here’s where you’ll find all the helpful details for your transition to FNBO.
Here’s where you’ll find all the helpful details for your transition to FNBO.
Effective, Nov. 7, your accounts are now with FNBO. If you haven’t enrolled at FNBO yet, we’ve included charts showing your current account features and how they compare to features associated with your new account. Please locate your current account name on your Western States Bank monthly statement. Then review these charts carefully to best understand the features of your new account at FNBO. If you have questions, please consult your personal banker or call 800-462-4662. If you’re ready to enroll, please click on the button above to get started.
Personal Checking Accounts
Our Guide to Your Personal Checking Account Chart outlines your current Western States Bank checking account and the FNBO checking account to which it will convert. While there will be some changes, you will see additional benefits. If you are currently in the Senior Checking or Interest Checking accounts, you may no longer earn interest. Please click the link to best understand the features of your new account at FNBO.
After conversion, if you are interested in moving your account to a different account type, talk to a banker at any FNBO location.
See details on your FNBO Free and Premier Checking Accounts.
See details of Additional Personal Services.
Personal Savings and Money Market Accounts
The Savings and Money Market account charts outline your current Western States Bank Savings and Money Market accounts and the FNBO Savings and Money Market account to which it will convert. There will be some changes to your Savings and Money Market accounts, but some features that will benefit you on your new FNBO Savings account are the elimination of minimum balances and monthly service fees! If you transition into the FNBO Premier Money Market account, you may have a loss of interest earned at a higher rate, however, you will not be charged a monthly service fee. Please review the following charts to best understand the features of your new account at FNBO.
See details on your FNBO Savings Accounts.
See details on your FNBO Money Market Accounts.
See details of Additional Personal Services.
Personal Certificates of Deposit and IRAs
Your CD and IRA rates and terms will remain the same when you move to FNBO. A new early withdrawal penalty structure for CDs will change to your benefit! Previously, you had four different penalty levels ranging from 3 months loss of interest to over 18 months loss of interest. With FNBO, you will now have three penalty levels ranging from 3 months loss of interest to 6 months loss of interest. This means less interest lost by you if you need to withdraw from your CD before it matures. Another benefit is interest rate calculations are changing to interest compounding daily using a fixed 360-day basis to get the daily periodic rate. CDs will automatically renew upon maturity and have a 10-day grace period, except for the 7- to 31-day CDs. There will be some changes to your IRA accounts and Health Savings Account CDs. You will be receiving additional information in a separate communication.
See details on your Certificate of Deposit (CD) Accounts.
See our Guide to Your Personal Health Savings Accounts.
See details of Additional Personal Services.
Personal Loans and Lines of Credit
If you currently have a personal loan or line of credit, your rate and payment, including automated payment, will remain the same. Please note that your loan number will change, and the mailing address will change for those who choose to mail payments. In some cases, your late charge fee may be changing. Please refer to the notification letter you may have already received this month that was mailed to all borrowers for further details.
Personal Overdraft Coverage for Checking Accounts
We understand that unanticipated expenses or unforeseen problems can leave you with not enough money in your checking account. Our goal is to assist you in avoiding unexpected overdraft fees as well as the inconvenience of having transactions declined or returned unpaid. FNBO offers two layers of overdraft coverage. If you currently have a Savings, Money Market or Line of Credit on your checking account for overdraft protection, that provision will remain the same. However, FNBO does not allow a checking account to be used as overdraft protection. Our second layer of protection is overdraft servicing, which provides coverage for when your checking and linked Overdraft Protection account (if enrolled) does not have enough money available to cover a transaction. You will receive the Standard Overdraft Service coverage on your checking account, however you can change this at any time by contacting your local branch.
See details on your FNBO Overdraft Options.
Debit/ATM Card
Our Guide to your Business Checking Account Chart outlines your current Western States Bank checking account and the FNBO checking account to which it will convert. While there will be some changes, you will see additional benefits. If you are currently in the Small Business or Large Business checking accounts, you may no longer earn interest. Please review the following charts to best understand the features of your new account at FNBO.
After conversion, if you are interested in moving your account to a different account type, talk to a banker at any FNBO location.
See details on your FNBO Business Checking Accounts.
See details of Additional Business Services.Our Guide to your Business Savings and Money Market chart outlines your current Western States Bank Savings and Money Market accounts and the FNBO Savings and Money Market account to which it will convert. There will be some changes to your Savings and Money Market accounts. You may have a loss of interest earned at a higher rate, however you will not be charged a monthly service fee. Please review the following charts to best understand the features of your new account at FNBO.
See details on your FNBO Business Savings Accounts and Business Money Market Accounts.
See details of Additional Personal Services.
Your CD rates and terms will remain the same when you move to FNBO. A new early withdrawal penalty structure for CDs will change to your benefit! Previously, you had four different penalty levels ranging from 3 months loss of interest to over 18 months loss of interest. With FNBO, you will now have three penalty levels ranging from 3 months loss of interest to 6 months loss of interest. This means less interest lost by you if you need to withdraw from your CD before it matures. Another benefit is interest rate calculations are changing to interest compounding daily using a fixed 360-day basis to get the daily periodic rate. CDs will automatically renew upon maturity and have a 10-day grace period, except for the 7- to 31-day CDs.
See details on your Business Certificate of Deposit (CD) Accounts.
See details of Additional Business Services.
If you currently have a loan or line of credit, your rate and payment, including automated payment, will remain the same. Please note that your loan number may change, and the mailing address will change for those who choose to mail payments. In some cases, your late charge fee may be changing. Please refer to the notification letter you may have already received this month that was mailed to all borrowers for further details.
We may choose, at our discretion, to assist you with an unplanned or occasional Overdraft by paying checks, ACH, and other items drawn on your account when your account does not have a sufficient available balance to cover those items at the time we receive the transaction for posting to your account. We decide whether to pay a particular item at our sole discretion by evaluating a number of factors relating to your account. Depending on whether the item is paid into overdraft or returned, an Overdraft Item Fee or Return Item Fee may be assessed. Please refer to the Commercial Deposit Agreement for more information, including an explanation of the posting order of transactions on your account. Information about the associated fees can be found on the document titled 'A Guide To Your Account'. In addition, items re-presented for payment will be handled following our standard practices. Please see the Commercial Deposit Agreement for full details. Refer to Appendix C for details on your FNBO Overdraft Options.
See details on your FNBO Overdraft Options.
Online Banking
Identify Your Login Instructions
The login you use with Western States Bank will determine your transition process to FNBO Online Banking. If you are an individual or business that used the Personal Banking login, please follow the steps on the left in the diagram below to identify which process is yours. If you use the Business Banking login, follow the steps on the right side of the diagram to identify what types of services you had to determine which process you should follow.
Transition #1
WSB Personal Banking converting to FNBO Personal Online Banking
Please note: Personal and Business accounts cannot be accessed from the same profile under FNBO. If you have personal and business accounts currently tied to a single profile under WSB, you will need to access those accounts using separate profiles under FNBO.
Existing FNBO customers: If you are already enrolled in FNBO online banking, your WSB accounts will show under your existing profile on November 7, 2022. You may not be able to transfer funds between your existing FNBO accounts and your WSB accounts that are transferring over to FNBO. If so, you have the option to use Bill Pay to transfer funds between accounts.
Transition #2
WSB Business Account- FNBO Commercial Web Login
Please note: Personal and Business accounts cannot be accessed from the same profile under FNBO. If you have personal and business accounts currently tied to a single profile under WSB, you will need to access those accounts using separate profiles under FNBO.
Existing FNBO customers: If you are already enrolled in FNBO online banking, your WSB accounts will show under your existing profile on November 7, 2022. You may not be able to transfer funds between your existing FNBO accounts and your WSB accounts that are transferring over to FNBO.
Transition #3
WSB Business Banking (No ACH, RDC WIRE) - FNBO Commercial Web login
Please note: Personal and Business accounts cannot be accessed from the same profile under FNBO. If you have personal and business accounts currently tied to a single profile under WSB, you will need to access those accounts using separate profiles under FNBO.
Transition #4
CMO Admin Users will receive login credentials prior to conversion. Once enrolled under CMO, the Admin User will be able to add additional Users online.
Please note: Personal and Business accounts cannot be accessed from the same profile under FNBO. If you have personal and business accounts currently tied to a single profile under WSB, you will need to access those accounts using separate profiles under FNBO.
Western States Bank, a division of FNBO, will replace a routing number you may have been using to send and receive settlement transactions via ACH. The routing numbers being replaced are 107005526 and 104113961. 107005526 was used by Western Bank of Cheyenne prior to 2007. Customers who opened their accounts in our Cheyenne offices prior to 2007 should verify their routing information. Please ensure all your direct deposit senders and all your automatic payment recipients utilize the routing number – ABA 107007139 – by November 4. Your current routing number can be found on your existing checks as shown below:
Effective September 15th, Western States Bank, a division of FNBO, will be offering new check styles through our partnership with Deluxe. Please visit with your personal banker to discuss your available options or log into your account online and visit Deluxe Checks. Please note that shipping times and fees may vary. Any checks ordered after November 7 will need to include the FNBO routing number 104000016.
Interest begins to accrue on the business day we receive credit for the deposit of non-cash items/collected balances.
Interest begins to accrue on the business day you deposit noncash items (for example checks).
Generally, we process transactions received by the end of the business day in the following order: deposits or credits first, then withdrawals or debits.
Deposits or credits are transactions that increase the balance in your account. Withdrawals or debits are transactions that decrease the balance in your account. Transactions received after our business day cutoff times will be processed the next business day. Generally, after we have processed all deposits to your account, we process withdrawals in the following categories and order:
Please remember that it is common that when you write a check, that check may be converted to an electronic item by the person, store or bank receiving the item. If it is converted, that item will be presented to us for payment more quickly than if it had been processed as a check. The posting order of deposits and withdrawals may change from time to time based upon regulatory requirements, technology or industry standards.
We recommend that at all times you maintain an accurate record of balances and transactions that you authorize for deposit or withdrawal from your account so sufficient funds are always available.
Funds from some deposits may not be available for immediate withdrawal. Generally, we will make $100 available to you on the day of your deposit for checks presented in person. Please refer to your Deposit Agreement for our Funds Availability Policy.
Please review your Deposit Agreement for information regarding Dispute Resolution. If you have any questions, please call or visit a branch location.
On October 31, 2022, Zelle will no longer be accessible through WSB online or mobile banking. Pending and scheduled Zelle payments under WSB will be processed until November 4, 2022. Zelle will not be available right away under FNBO. Starting on November 7, 2022, you can download the Zelle stand-alone app to send/receive funds to others that have Zelle on their end. Look for updates on Zelle coming to FNBO in 2023!
Where can Western States Bank customers get assistance with their accounts prior to conversion?
Contact a Western States Bank E-Banking Specialist.
What should customers expect over conversion weekend?
See an overall timeline of the changes here.
What will happen to any payments that are pending in BillPay over conversion weekend?
Bill Pay Users: Bill Pay will not be accessible under WSB starting on October 31, 2022. Pending payments will be processed until November 4, 2022. Bill Pay Payments scheduled to be paid after November 4, 2022, should be cancelled under WSB and set up under FNBO. Businesses will use PayMaker for Bill Pay under FNBO.. Once you are enrolled with your CMO profile, you can enroll in PayMaker to start setting up your Bill Pay profile and payees.
Will we continue to work with the same Western States Bank staff at the same locations after the merger?
Yes - Customers will continue to bank with many of the same great banking professionals they know and trust, though some locations are closing and new ones opening.
Will WSB ATMs be available during conversion weekend?
Yes - ATMs will be available for use over conversion weekend, but you won’t be able to check your balance.
I accidentally destroyed my WSB VISA Debit Card (VDC) and tried to use my new FNBO VDC prior to conversion. How can I get a replacement WSB card?
Customers can visit any WSB Branch to obtain a new card that they will be able to use immediately up until the instant issue machines are removed at conversion.
Will personal and business customers receive a new FNBO VISA Debit/ATM card?
Yes – Customers will receive a new Visa Debit Card or ATM card with a new number, expiration date and CVV. Visa Debit Cards and ATM cards will be mailed beginning Wednesday, October 19. They will be mailed in a white, unmarked envelope. The card carrier and activation sticker will provide steps for activating and using their cards.
When will WSB VISA Debit Cards (VDC) and ATM cards be deactivated?
November 7, at 3:00 am CST / 2:00 am MST.
What will happen over the conversion weekend with online and mobile banking?
WSB Personal Banking Login
Personal Account > FNBO Personal Online Banking
Business Account > FNBO Commercial Web
WSB Business Banking Login
No Access to ACH, RDC, Wire > FNBO Commercial Web
Access to ACH, RDC, Wire > FNBO Cash Management Online
Timeline:
October 31, 8am CST/7am MST
November 4, 1pm CST/12pm MST
November 4, 6pm CST/5pm MST
November 7, 6am CST/5am MST
When will FNBO begin to assist customers?
Monday November 7, beginning at 6 a.m. MST. Customer support numbers: 308-365-0383, 866-252-7801, and 800-462-4662.
Will branch hours change post conversion?
No - Branch hours will not change.
Will checking, savings, and money market account number(s) change?
Consumer and Business deposit account numbers will stay the same as they convert to an FNBO account.
Will customers need to order new checks and/or deposit slips?
Effective September 15, Western States Bank, a division of FNBO, is offering new check styles through our partnership with Deluxe. Customers can visit a branch; call Customer Care to discuss available options; or log into their account online to order new FNBO checks.
NOTE: Shipping times and fees may vary. Any checks ordered after Monday, November 7, will need to include the FNBO routing number 104000016.
Can customers still use their WSB checks?
Yes - Customers may continue to use their Western States Bank personal checks after November 6, until their supply runs out.
Is there an impact to Certificate of Deposit and IRA accounts?
The CD and IRA rates and terms will remain the same when moved to FNBO.
What overdraft changes will WSB customers experience?
We understand that unanticipated expenses or unforeseen problems can leave customers with not enough money in their checking account. Our goal is to assist you in avoiding unexpected overdraft fees as well as the inconvenience of having transactions declined or returned unpaid.
FNBO offers two layers of overdraft coverage.
When will customers be able to activate their new VISA Debit Card?
Visa Debit Cards and ATM cards are being mailed to customers now. The card carrier and activation sticker on each card provide action steps (activation / select PIN) for customers to be able to use their cards beginning Nov. 7.
Customers will receive FNBO-branded cards. If a customer currently has a university card, they will receive a new university card. FNBO does not offer personal images on VISA debit cards, however, this feature is available with FNBO credit cards.
What actions do customers need to take since their debit card numbers are changing?
Customers should update all automated payments and online retailers that use their Visa Debit Card after November 7.
Will I have access to the Money Pass ATM network when I convert to FNBO?
No - Customers will now have access to the All Points ATM network.
If I don’t receive my VISA debit card can one be instant issued?
Yes – our branch locations can instant issue debit cards beginning November 7.
When a customer is in a remote location out of town and did not receive their new FNBO VISA Debit Card, how can they access their funds?
When a customer is not available to receive their new FNBO debit card, options may include exploring wire options or person-to-person transfers such as Venmo or Zelle. Please note, FNBO will not offer Zelle until early 2023.
How will WSB loans (installment, loc, HELOC, HELOAN) be impacted by conversion?
If a customer currently has a personal loan or line of credit, the rate and payment, including automated payments, will remain the same.
What actions do customers need to take since their loan number(s) changed?
No action is needed by customers. Current automatic payments will transition to FNBO using the new account number.
Can customers still use their WSB loan payment coupons?
No – If a customer has a current WSB loan coupon book, they will receive a new one. When an old payment coupon is mailed in, it will be manually processed and applied to the loan.
Will customers use the same address to mail their loan payments?
No – After November 7, customers should mail payments to:
First National Bank of Omaha
PO Box 30287
Omaha, NE 68103
Will WSB mortgage loans be impacted?
The rate and payment, including automated payments, will remain the same.
The loan number will change.
Can customers still use their WSB mortgage loan payment coupons?
No – If a customer has a current WSB loan coupon book, they will receive a new one. When an old payment coupon is mailed in, it will be manually processed and applied to the loan.
What address will customers mail their mortgage loan payments to?
Beginning November 7, customers should mail payments to:
First National Bank of Omaha
PO Box 30287
Omaha, NE 68103
Will customers that have their mortgage loan payment deducted from their WSB checking account need to take any action to have it deducted from their FNBO account?
No action is needed.
What website will customers need to access for online banking?
NOTE: Personal and Business accounts cannot be accessed from the same profile with FNBO. If customers have personal and business accounts currently tied to a single profile under WSB, they will need to access those accounts using separate profiles with FNBO.
Will customers need to enroll in online banking?
Customers will need to complete the online banking enrollment process at fnbo.com
They will need the following information to enroll:
Once enrolled, customers can add their account by clicking on their Profile > select Add Online Account in the left navigation bar.
Will customers need to set-up BillPay / payments / transfers and their online banking alerts?
Bill Pay will not be accessible under WSB beginning October 31. Pending payments will be processed until November 4, 2022. Once enrolled in online banking under FNBO on November 7, their Bill Pay Payees will transfer to their new FNBO profile. Recurring or scheduled Bill Pay payments that were set up under WSB will be paid as requested using their new FNBO profile.
Businesses will use PayMaker for Bill Pay. PayMaker offers multiple packages to fit our business customer’s needs. Once customers are enrolled with their Commercial Web profile, they can enroll in PayMaker to start setting up their PayMaker profile and vendors.
Will customers experience issues with Zelle?
After conversion to FNBO, customers will not have access to Zelle via the FNBO app for a brief time. FNBO is currently in the process of implementing Zelle and the service will be available within the FNBO app in early 2023. Until then, you may download the Zelle app from the App Store or Google Play and enroll an eligible Visa® or Mastercard® debit card. Please note: While customers can typically use Zelle between people at different banks, at least one person must have a bank in the Zelle network to send and receive money.
Will External Transfers be available?
External Transfers are not available under FNBO. Business customers can use PayMaker to send funds to their external account. In addition, business customers that are set up with Cash Management Online can complete external transfers.
When a customer banks with FNBO in two different markets, will they be able to view their accounts under one profile?
Yes – customers will be able to view and manage their accounts with one ID.
NOTE: Customers that have accounts in more than one of our markets are NOT able to transfer funds between these accounts. We are working on making this possible in the future. To move funds between these accounts, customers may use our Bill Pay system.
Does fnbo.com have a budget tool like the one on WSB online banking?
No, the Budget Tool will not be available with FNBO.
For mobile banking, what app will customers need to download?
Customers will download the FNBO app from the app store and can enroll in FNBO mobile banking or log in using their newly established FNBO online banking credentials.
Will customers need to update their debit card information on their mobile wallet?
Yes - Customers will need to add their new FNBO VISA Debit Card to their mobile wallet and remove their old WSB Visa Debit Card.
Will mobile banking remote deposit capture (RDC) limits change?
Yes – beginning November 4, FNBO mobile limits will change but the number of checks will remain the same.
Consumer:
Current - $10K / 10 Checks
Effective November 4 - $40K / 10 Checks
Small Business:
Current - $30K / 10 Checks
Effective November 4 - $75K / 10 Checks
Commercial
Current - $150K / 5 Checks
Effective November 4 - $150K / 5 Checks
What will customers need to do if they used accounting software such as Quickbooks, Quicken?
Quicken / QuickBooks profiles can be transferred from WSB to FNBO by following these steps.
What will happen to existing customer information on the Western States Bank online and mobile banking platforms?
On November 7, access to WSB online banking will be removed at 5:00 am MST.
Why did I receive a printed account statement from Western States Bank?
As part of the conversion process to FNBO, all customers – even those who have selected e-statements – will receive a paper statement showing account activity through November 4. All future account statements will be generated and sent to you by FNBO. Transactions on your account for the current statement cycle may be split between this final Western States Bank statement and your first FNBO statement. If you prefer receiving e-statements (paperless), you will need to enroll in that option for your new accounts at fnbo.com. Please contact your local FNBO branch if you have any questions.
Will monthly statements for WSB accounts change?
There’s no anticipated change with monthly statements.
Will a final statement for WSB accounts be provided to customers?
Yes, final statements for WSB will be cut for all checking and savings accounts on November 4, 2022. Loan customers will also receive a final statement.
How will customers access past statements?
Customers will be able to access past statements online at fnbo.com, or they may call to request a copy or visit a branch location.
Will customers that received combined statements still receive them in this manner?
Customers will receive combined statements, however, their initial statement may not be combined. Subsequent statements should then be combined.
Will foreign currency be available for customers?
No – FNBO does not have a foreign currency vendor at this time.
What changes will customers experience pertaining to their Safe Deposit Box?
Safe Deposit Fees will increase for all WSB box sizes. WSB customers will keep their remaining SDB discount for one year after conversion and then move to standard FNBO pricing. FNBO does not offer autopay discounts, but does offer relationship discounts. All SDB account numbers will change, but still include the box number. Increase of $5 monthly late fee. Lost key fee reduction ($50 to $15). Drilling Fee reduction ($175 to $125).
Welcome to the great big, small bank. For more than 160 years, FNBO has been with our customers, where they are in their financial journey, and maintained our commitment to helping build strong communities. We’re big enough to offer financial strength and small enough to know who we’re protecting.
As one of the largest family-owned and independent banks in the U.S., FNBO offers personal, business, commercial, and wealth solutions with branch, mobile and online banking for checking, loans, mortgages, and more. We’re available whenever and however you need us.
We don’t claim to have been the primary builders of the communities we serve. Many people over the past six generations did that with their hard work, dedication and vision. But we're a local bank that understands and embraces the community’s vision that can make a big difference, and we are firm in our commitment to these principles.
FNBO is proud of our history and today, holds one of the oldest charters in the country. We were founded in 1857 by two brothers – Herman and Augustus Kountze. Though our founders were engaged in the rough-and-tumble business of the pioneers, they created an innovative and forward-looking organization. The Kountze brothers envisioned that their bank would succeed and have a positive impact on the communities they served.
We continue to harbor big dreams for the future of the communities we serve, and we hope you will take the journey with us. After all, it’s what you can expect from the great big, small bank.