Our branches will be closed on Friday, July 4 in observance of Independence Day.

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 Summary2

  • Higher interest rate than traditional savings accounts
  • Unlimited deposits
  • Two free withdrawals per month3
  • A minimum daily balance of $1,000 is required in order to avoid the $25 monthly maintenance fee.
  • 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 Rates

1 The Annual Percentage Yield (APY) is accurate as shown. Interest Rates and APYs may change daily after the account is opened, the Lock Rate will not change during the lock period. Fees may reduce earnings. For account and fee information visit “Guide to Your Savings Account” and “Deposit Agreement”.

Rates are determined by the primary account holder’s county of residence in our Deposit Footprint. Our Deposit Footprint includes Colorado, Illinois, Iowa, Kansas, Missouri, Nebraska, South Dakota and select counties in Texas, Wisconsin, and Wyoming. Rates may vary by county within the Deposit Footprint. Your rates may change if you move from one county to another within the Deposit Footprint. If you move outside of our Deposit Footprint, you may be eligible for Expansion Footprint rates (everything outside the Deposit Footprint). Rates in the Expansion Footprint may vary from rates in the Deposit Footprint.

2 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.

3 A minimum daily balance of $1,000 is required in order to avoid the $25 monthly maintenance fee.

Two Free withdrawals per month each subsequent withdrawal after will be charged an excessive withdrawal fee of $25. This includes ATM withdrawals at FNBO as well as using other bank ATMs and ATMs not operated or contracted by First National Bank of Omaha.

$125 penalty may apply if closed in a rate lock period.