Welcome, Western States Bank Customers.

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

Welcome 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.

Colorado

The good news.

  • You’ll continue to bank with many of the same great folks you know and trust.
  • Your deposit account number will stay the same as you convert to an FNBO account.
  • Effective November 4, mobile deposit limits will continue at $40,000 per day.
  • As of September 1, Western States Bank no longer issues money orders, but cashier’s checks are available at no charge through both Western States Bank and FNBO.
  • You may continue to use your Western States Bank personal checks after November 6 until your supply runs out.

But expect some changes.

  • Western States Bank will replace a routing number you may have been using to send and receive settlement transactions via ACH. We’ve included information in this guide about switching to the new routing number.
  • Your Western States Bank ATM or Visa® debit card will be replaced in October with an FNBO card, which will require you to create a new Personal Identification Number (PIN).
  • As of September 1, Western States Bank no longer offers Visa gift cards for purchase by its customers.
  • Your safe deposit box number and annual rent will change. FNBO does not offer discounts for auto pay, however please reference the safe deposit box disclosure to review discounts available to you and additional fees.
  • If you have deposit accounts at both Western States Bank and FNBO, your assets could exceed your FDIC coverage limit. Please consult a personal banker to understand your options.
  • Beginning November 7, the only types of accounts that may be set up to provide overdraft protection for another checking account will be savings accounts and money market accounts. As a third option, you may also apply for a Line of Credit (LOC) to provide overdraft protection for your checking account.
  • If you currently have a joint account, it will be important to make sure ownership of that account is properly titled. Please visit with one of our bankers soon to talk through your options so you won’t have a service interruption.
paying a tab

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.

plants growing like savings accounts

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.

Woman looking at her savings account

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.

couple working on home improvement

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.

Calm man laying in the grass

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.

paying bill at restaurant

Debit/ATM Card

  • You will receive a new FNBO debit card to replace your existing WSB debit card prior to November 4, 2022. Watch your mailbox as your new card will arrive in a white, unmarked envelope.
  • Starting on November 4, 2022, your WSB debit card will:
    • Have a temporary purchase limit of $1,500 per business day.
    • Not show account balances at the ATM.
  • On November 7, 2022, at 6:00 am MST you can activate your new FNBO debit card by calling 866-253-4466.
    • Please note that the activation number provided on your replacement debit card may be different than this number. WSB customers are encouraged to call the above number for card activation.
    • Your WSB debit cards will stop working on November 7, 2022 at 4:00 am MST.
  • Your FNBO debit card spending limit will be included with your card.
  • Once activated, remember to add your new FNBO debit card to any recurring payments or merchants where your WSB card information is currently saved.
  • Don’t forget to add your new FNBO debit card to your mobile wallet using Apple Pay®, Google Pay® or Samsung Pay™.
  • Replacement FNBO ATM cards will be received prior to November 4, 2022. ATM cards can be used starting at 6:00 am MST on November 7, 2022.
Female mechanic on laptop

Business Checking Accounts

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.
Two women opening their business

Business Savings Accounts and Money Market Accounts

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.

Pottery shop owner on laptop

Business Certificates of Deposit

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.

Business owner writing plan

Business Loans and Lines of Credit

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.

Small Business owner planning

Business Overdraft and Return Items

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

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 one

Transition #1

WSB Personal Banking converting to FNBO Personal Online Banking

  • On November 4, 2022, at 12:00 pm MST mobile deposit will no longer be available through WSB.
  • On November 4, 2022, at 5:00 pm MST your online and mobile banking access will go into an Inquiry Only mode. You will still be able to log in to view your accounts, but online transfers and payments will no longer be available.
  • On November 4, 2022, at 5:00 pm MST your account alerts will be deactivated.
  • On November 7, 2022, beginning at 5:00 am MST you can enroll for online banking access. Have the below information ready, click “Enroll” and then select “Personal Enrollment”. During your enrollment, you will be asked to create a new User ID and Password.
    • Checking or Savings Account Number (Just need one!)
    • Account Type
    • Name
    • Last four of your SSN
    • Date of Birth
    • Email Address
  • Once enrolled, you will have access to all of your related personal accounts.
  • Remember to set up your recurring online transfers/payments and enroll for eStatements. You can also set up your account alerts.
  • Download the FNBO Mobile Banking App on November 7, 2022, beginning at 5:00 am MST. Once the app is downloaded, you can log in using your newly established FNBO online banking credentials or enroll by clicking on Login Options and then selecting to Enroll in Personal Online Banking.
  • Bill Pay Users: Bill Pay will not be accessible under WSB starting on October 31, 2022. Once you enroll in online banking under FNBO on November 7, 2022, your Bill Pay Payees will transfer to your new FNBO profile. Recurring or scheduled Bill Pay payments that were set up under WSB will be paid as requested using your new FNBO profile.
  • Quicken/QuickBooks Users: On November 4, 2022, at 5:00 pm MST, your Quicken/QuickBooks profile will no longer be accessible through Western States Bank.
  • Changes in functionality: There will be some changes in online banking features under FNBO.
    • Zelle: 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!
    • External Transfers: On October 31, 2022, External Transfers will no longer be accessible through WSB. Pending and scheduled external transfers will be processed until November 4, 2002. External Transfers are not available under FNBO. You can use Bill Pay or Mobile Deposit to move funds between your FNBO and external accounts.
    • Budget Tool: The Budget Tool will not be available under FNBO.
    • Text Banking: Text Banking will no longer be available under FNBO.
    • Access to WSB online banking will be removed at 5:00 am MST on November 7, 2022.

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 two

Transition #2

WSB Business Account- FNBO Commercial Web Login

  • On November 4, 2022, at 12:00 pm MST mobile deposit will no longer be available through WSB.
  • On November 4, 2022, at 5:00 pm MST your online and mobile banking access will go into an Inquiry Only mode. You will still be able to log in to view your accounts, but online banking transfers and payments will no longer be available.
  • On November 4, 2022, at 5:00 pm MST your account alerts will be deactivated.
  • Starting on October 24, 2022, Business Admin Users can enroll for online banking access. The Admin User should have the below information ready, click “Enroll” and then select “Business Enrollment”. 
    • Admin Name
    • Admin Address
    • Admin Email Address
    • Admin Date of Birth
    • Admin Phone Number
    • Company Name
    • Company Tax ID/SSN
    • Your WSB Checking Account Number
    • The User ID you want to use
  • The Admin User will receive an email with login information the weekend prior to November 7, 2022. Admins will then be able to set up additional Users.
  • On November 7, 2022, at 5:00 am MST Admin Users can visit fnbo.com to log into Commercial Web with the login information provided by the bank.
  • 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 logged into your Commercial Web profile, you can enroll in PayMaker to start setting up your Bill Pay profile and payees.
  • Quicken/QuickBooks Users: On November 4, 2022, at 5:00 pm MST, your Quicken/QuickBooks profile will no longer be accessible through Western States Bank.
  • Changes in functionality: There will be some changes in online banking features under FNBO.
    • Zelle: 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!
    • External Transfers: On October 31, 2022, External Transfers will no longer be accessible through WSB. Pending and scheduled external transfers will be processed until November 4, 2002. External Transfers are not available under FNBO. You can use PayMaker or Mobile Deposit to move funds between your FNBO and external accounts.
    • Budget Tool: The Budget Tool will not be available under FNBO.
  • Access to WSB online banking will be removed at 5:00 am MST on November 7, 2022.

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 three

Transition #3

WSB Business Banking (No ACH, RDC WIRE) - FNBO Commercial Web login

  • On November 4, 2022, at 12:00 pm MST mobile deposit will no longer be available through WSB.
  • November 4, 2022, at 5:00 pm MST your online banking access under Western States Bank will no longer be available.
  • Starting on October 24, 2022, Business Admin Users can enroll for online banking access. The Admin User should have the below information ready, click “Enroll” and then select “Business Enrollment”. 
    • Admin Name
    • Admin Address
    • Admin Email Address
    • Admin Date of Birth
    • Admin Phone Number
    • Company Name
    • Company Tax ID/SSN
    • Your WSB Checking Account Number
    • The User ID you want to use
  • The Admin User will receive an email with login information the weekend prior to November 7, 2022. Admins will then be able to set up additional Users.
  • 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 logged into your Commercial Web profile, you can enroll in PayMaker to start setting up your Bill Pay profile and payees.
  • Quicken/QuickBooks Users: On November 4, 2022, at 5:00 pm MST, your Quicken/QuickBooks profile will no longer be accessible through Western States Bank.

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 four

Transition #4

  • WSB Business Banking (Access to ACH, RDC WIRE) - FNBO Cash Management Online
  • On November 4, 2022, at 12:00 pm MST mobile deposit and Remote Deposit Capture will no longer be available.
  • On November 4, 2022, at 5:00 pm MST your online banking access under Western States Bank will no longer be available.
  • Business Online Banking customers that utilize ACH, Online Wires, or Remote Deposit Capture will be enrolled under Cash Management Online (CMO). Current ACH limits under WSB will also be in effect under FNBO.

    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.

  • ACH files scheduled under WSB will be processed as requested through November 4, 2022.
  • 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.
  • Quicken/QuickBooks Users: On November 4, 2022, at 5:00 pm MST, your Quicken/QuickBooks profile will no longer be accessible through Western States Bank.

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.

Routing Numbers Changing for ACH Transactions

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:

New Check Styles Available

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.

FNBO Interest Information for Interest Bearing Accounts

Interest begins to accrue on the business day we receive credit for the deposit of non-cash items/collected balances.

  • Interest is calculated using the daily balance method. This method applies a daily periodic rate to the principal balance in the account each day.
  • Interest is compounded and credited monthly.
  • Where noted on the rate sheet, the applicable minimum balance must be maintained each day to obtain the disclosed Annual Percentage Yield (APY).
  • Interest rates and Annual Percentage Yields may change daily at our discretion. Current interest rates and APYs are shown on the rate sheet. Please contact your local branch for current rates.
  • Fees may reduce earnings.
  • Interest accrued will be paid, without penalty, at account closing.

Western States Bank Interest Information for Interest Bearing Accounts

Interest begins to accrue on the business day you deposit noncash items (for example checks).

  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.
  • Interest will be compounded monthly or quarterly based on your account type.
  • If you close your account before interest is credited you will not receive the accrued interest

FNBO Processing Policies Posting Order

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:

  • Electronic payment transactions and items such as purchases for cashier’s checks, certificates of deposit or foreign currency;
  • Debit card transactions (non ATM transactions);
  • ATM withdrawals and checks cashed from your account at one of our branches;
  • Transactions created by you through our BillPay system;
  • Checks processed and received that day in check number order and;
  • Miscellaneous adjustments.

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 Availability

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.

Dispute Resolution

Please review your Deposit Agreement for information regarding Dispute Resolution. If you have any questions, please call or visit a branch location.

Important Update on Zelle®

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!

Western States Bank Customer FAQs

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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.