"FNBO Wealth" is a brand name that refers to First National Bank of Omaha ("FNBO") and certain of its affiliates and subsidiaries that provide or make available trust, investment, securities brokerage, investment advisory, banking, and related services.

Trust and related services are provided by FNBO, a national bank with trust powers.

Certain trust and related services are also provided by FNN Trust Company, a South Dakota state-chartered trust company and wholly-owned subsidiary of FNBO. FNN Trust Company does not offer depository, lending, or other banking products, and is not FDIC insured.

Certain investment advisory services are provided by First National Advisers, LLC (FNA), doing business as Private Wealth Reserve, an SEC-registered investment adviser and wholly-owned subsidiary of FNBO. FNBO is not a registered investment adviser.

Deposit products, such as checking, savings, and money market accounts, and lending, credit, and related products are offered by FNBO, Member FDIC. Equal Housing Lender. Only deposit products are FDIC Insured. Trust and related services are provided by FNBO, a national bank with trust powers.

Investment products are: Not a deposit - Not FDIC Insured - Not Insured by an Federal Government Agency - Not Guaranteed by the Bank - May Go Down in Value

As a valued wealth client¹, please enjoy these enhancements to our private banking suite of services.

Consumer Overdraft Monitoring 

When an item (such as a check) is presented for payment on an account with insufficient funds, here’s what you can expect based on our general banking practices:

Our Banking Associates will receive notification of the overdrawn account. The Banking Associate will consider paying the item based on criteria such as the account type, transaction type, balance history, length of customer relationship, and what you have previously selected as your preferred method for us to handle your account in the event an overdraft occurs. If necessary, a Banking Associate may reach out to you if they want to discuss the item further before deciding to pay or return the item.

The payment of transactions into overdraft is discretionary and we reserve the right to not pay. Generally, we do not pay overdrafts if you are not making regular deposits, or you have excessive overdrafts, or based on your account history and how you maintain your account. We may pay overdrafts for checks and other transactions using your account number and for automatic bill payments (ACH and recurring debit transactions), and if you give us permission, we may authorize and pay overdrafts for ATM transactions and everyday non‐recurring debit transactions (individual debit card purchases such as grocery store or one‐time online purchases). Our expectation is you bring your account to a positive balance immediately (including payment of all bank fees and charges). If we choose to not pay the item, it will be returned.

To get precise details about our bank’s policies regarding overdrafts and item presentment, review your Deposit Account Agreement. This document outlines the specific terms and conditions related to your account, including fees and procedures. A copy of the agreement can be found on www.fnbo.com or you can request a copy of this at your local branch location. 

If you have any doubts, consider reaching out to our Banking Associates directly for clarification. Our contact information is listed below.

Wire Fees for Consumer Depository Accounts²

The following fees are associated with wire transfers on a consumer checking account:

Incoming Domestic Wire Transactions - Free

• Outgoing Domestic: $15

• Outgoing Foreign (Foreign Funds): $25

• Outgoing Foreign (US Funds): $35

The fees referenced above are charged the same day the wire is initiated. The following business day, we will waive the wire fees referenced above. Saturday, Sunday, and bank holidays are not considered business days. Fee refunds apply to consumer (personal) deposit accounts only. Intermediate Bank Fees related to international wire transfers will NOT be a part of the refund; these vary by transaction and will be the responsibility of the account owner(s). Questions can be directed to our contact information listed below. 

Free Safe Deposit Box

Private Banking customers will receive one free annual safe deposit box rental per household. This means we will waive the annual fee on one safe deposit box per household, per year. A household is defined as a designated address for the checking account. This can be on any size safe deposit box. Clients who own multiple boxes will only have one box a year waived with that being the most expensive box.

Please note, our Disclosure of Account Terms for Safe Deposit Box Accounts references a $25.00 discount towards the annual fee on their safe deposit box for Premier Checking, Free Checking, and Access Debit Checking customers. This offer is in lieu of your $25.00 discount.

The fee will be waived prior to the annual billing cycle. 

If you have any doubts, consider reaching out to our Banking Associates directly for clarification. Refer to the Disclosure of Account Terms for Safe Deposit Box Accounts for complete information regarding all fees and terms associated with safe deposit box rental.

Consumer Credit and Debit Card Assistance

If your FNBO ATM Card, FNBO Visa Debit Card, or FNBO Credit Card is declined, our Banking Associates will be alerted.

Alerts received during business hours will notify our Banking Associates, and they will contact you within a reasonable amount of time to provide further assistance. For this disclosure, business hours are defined as 8:00 AM to 5:00 PM CST, Monday through Friday. Saturday, Sunday, and bank holidays are not recognized as business days. Our contact information is listed below. 

Alerts received outside of normal business hours will notify our Customer Care Center Associates who will then contact you and assist with the alert. Calls will only be made between 8:00 AM and 9:00 PM CST. If you wish to contact us beyond these hours, please call our Customer Care Center at (800) 642-0014.

Contact Information

You can contact us through our dedicated service line (during business hours) at 402-602-1750 or privatebanking@fnbo.com.

¹ To qualify, a client must meet at least one of the following criteria: they should be a current Private Wealth Reserve client or a current Trust client of FNBO or FNNTC with assets under management exceeding $5 million. 

² Excludes Business or Commercial depository accounts.