Get a higher rate of return with your 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 locked for 6 months
  • You can request a rate lock at any time for a new 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 Rates

A Guide to your Savings Account (PDF)

View Deposit Agreement

* 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 6 months. In order to receive this rate, a First National 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 provided in the rate sheet. At the end of your 6-month rate lock period, the interest rate will change to the “Base Rate” as published on the Rate Sheet applicable at that time. You can request a rate lock at any time for a new 6-month period at the then applicable “Lock Rate”. 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.