Welcome, Western States Bank Customers.

Here’s where you’ll find all the helpful details for your upcoming transition to FNBO.

FNBO branch

We’re Counting the Days

Western States Bank joined First National Bank of Omaha (FNBO) in February and everyone at FNBO is eager to serve you as our customers. While it may not be evident, so much is happening behind the scenes to transition from “Western States Bank, a division of FNBO” to FNBO. We encourage you to bookmark this page and watch for regular updates as we get closer to our conversion date in November.

Western States Bank customers should continue to bank as normal at your favorite locations with your favorite bankers. Though FNBO branches aren't ready to help you with your accounts yet, we're working hard to make the transition as easy as possible for you.

For your convenience, Western States Bank Debit Cards can be used right now at all FNBO branded ATMs.

To learn more, read the press release.

Maple Street branch in Omaha

About FNBO

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.

WSB Fee Updates effective February 14, 2022

NEW UPDATES

What do I need to do as a Western States Bank customer?

Right now, nothing! Keep banking with Western States Bank as you normally would. You'll notice that Western States Bank is now a division of FNBO, and later this year the FNBO brand will replace Western States Bank's brand at all banking locations.

Great news – there’s a few additional benefits that have been added.

  1. You now have access to more ATMs. Your Western States Bank debit card will work exactly the same, but you now have access to FNBO branded ATMs with no fees!
  2. Updates have been made to the following services to make them even better with no fees!
  3. No more continuous overdraft fee (per day after the third day).
Evergreen card

Find a credit card that is right for you.

Whether you are looking to rebuild your credit, for everyday rewards or a small business card, we have the solution tht is right for you.

For more information, please read our Evergreen Credit Card FAQs.

Western States Bank Customer FAQs

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    • Will I still be able to work with my same banker?

      Yes, you should expect to continue working with your usual banker and favorite location.

    • What do I need to do now?

      Once we receive regulatory approval of the merger, FNBO will begin communicating with customers about preparations for transitioning to FNBO later this year. For now, Western States Bank will continue to provide the same great service to their customers that they always have.

    • Will my account number change?

      FNBO and Western States Bank are working collectively to determine the best path to transition customers to FNBO in the second half of the year. As this plan is developed, we will communicate that information. Account numbers and customer impact are all important considerations in determining our transition strategy. As those impacts become known, we will communicate that information.

    • Will I need a new debit card or new checks?

      FNBO and Western States Bank are working collectively to determine the best path to transition customers to FNBO in the second half of the year. Debit cards, checks, customer impact are all important considerations in determining our transition strategy. As those impacts become known, we will communicate that information.

    • Will branch hours be changing?

      Your Western States Bank branch hours will remain the same.

    • Can I make deposits at the FNBO branch in town?

      At this time, Western States Bank customers cannot make deposits to Western States Bank account at an FNBO branch.

    • What can you tell me about FNBO as a bank and family-owned company?

      FNBO has a history of doing what's right for customers, employees, shareholders and the communities in which we serve. Our Operating Philosophy and independent ownership have guided our long-term investments in facilities, processing technologies and infrastructure, rather than managing from quarter-to-quarter to satisfy Wall Street. Our rich history, strong capital, experienced management and high standards make FNBO the perfect partner.

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