FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Don't wait on a great rate with a Flex Savings Account.
If your money is going into a traditional savings account, it isn’t working hard enough for you. How about a higher rate of return without locking up your money to a long-term commitment?
Account Summary1
- Higher interest rate than traditional savings accounts
- Unlimited deposits
- Two free withdrawals per month2
- No monthly fee with $1,000 minimum daily balance
- Rate lock options for 3 or 6-months
- You can request a rate lock at any time for a 3 or 6-month period
Account Benefits
24-Hour Banking
Access your account 24/7 with free online, mobile and FNBO ATM banking. And, for fast and easy account management, download our FNBO banking app for quick glance balance checks, mobile check deposit, ATM locator and so much more.
Direct Deposit
With direct deposit, checks can be automatically deposited into your FNBO account, at whatever amount you desire. Direct deposit makes saving money simple and easy.
Federal Deposit Insurance
FNBO is a member of the Federal Deposit Insurance Corporation (FDIC), which means you can have peace of mind that your deposited account are insured.
Flex Savings Rates1
A Guide to your Savings Account (PDF)
* Deposit rates may change daily; the Lock Rate will not change during the rate lock period. Fees may reduce earnings.
1 Flex Savings allows you to lock the rate and Annual Percentage Yield on this account for 3 or 6 months. Renewal notices are not sent out for this product; upon expiration of the rate lock, you must contact FNBO to re-lock your account. If you do not contact FNBO to re-lock your account at that time, the rate will be lowered to the "Base Rate" as published on the Rate Sheet applicable at that time. It will remain at the "Base Rate" until you contact us to request a new rate lock. You can request a rate lock at any time for a new 3 or 6-month period at the then applicable "Lock Rate." To receive the locked rate, an FNBO checking account is required. If the checking account is closed during the rate lock period, the Flex Savings rate may be lowered to the then applicable "Base Rate" as published on the Rate Sheet applicable at that time. A penalty may apply for early closure of this account.
2 Each subsequent withdrawal will be charged an excessive withdrawal fee of $25. A surcharge may be assessed when using other bank ATMs and ATMs not operated or contracted by First National Bank of Omaha.