First National Bank of Omaha Review: Full Suite of Services

First National Bank of Omaha offers accounts with top service.

First National Bank of Omaha (FNBO) is a family-owned bank with branches in seven states and a broad spectrum of services. Its commitment to excellent customer service earned First National Bank of Omaha high ratings on the 2018 J.D. Power Retail Banking Satisfaction Study for the Midwest.

Keep reading to see if this is the best bank for you.

What You Need to Know About First National Bank of Omaha

First National Bank of Omaha is a good choice for customers who like to visit local, brick-and-mortar branches for in-person service. The bank also offers a full suite of online banking services, including the ability to check balances, pay bills and receive account activity notifications.

First National Bank of Omaha at a Glance
Where First National Bank of Omaha ShinesWhere First National Bank of Omaha Falls Short
  • Ranked first in the J.D. Power 2018 U.S. Retail Banking Satisfaction Study
  • Offers a no-fee checking account and no annual fee credit cards
  • Offers robust online tools to manage accounts
  • Has 55,000 surcharge-free ATMs worldwide
  • Offers free FICO scores for customers
  • Only has branch locations in seven states.
  • Customers outside of the seven states served must open accounts through FNBO Direct.

Best Features of First National Bank of Omaha

Read on to check out what First National Bank of Omaha has to offer.

First National Bank of Omaha Checking Account Options

There are three personal checking account options available from FNBO, including a free account with no monthly service fee, minimum deposit requirement or minimum balance requirement. Its Premier Checking Account requires a $15,000 balance to avoid a service charge but earns interest, and its Access Debit Account costs $4 per month but has no minimum balance requirement and no overdraft or returned item fees. Visa debit cards are available for all three checking accounts.

Explore: 9 Types of Checking Accounts

First National Bank of Omaha Savings Options

Customers have four savings account options with this bank. The regular savings account requires no minimum opening deposit and has no monthly service fee or balance requirement. The Money Market account has a higher interest rate but requires $1,000 to open. The Health Savings Account lets those with high-deductible insurance plans put away pre-tax money for medical expenses. Kids can start saving easily with the Children’s Savings Account that has no minimum balance requirement, no minimum opening amount and no monthly service fee.

Other savings options at First National Bank of Omaha include certificates of deposit and IRAs.

First National Bank Credit Cards and Loans

First National Bank of Omaha is also a credit card provider, offering four different cards to choose from. These options have something for everyone, whether your credit is stellar or has a few bumps and bruises. There’s a First National Bank credit card that helps you rebuild your credit if you’ve had problems in the past, two rewards cards and a Platinum Edition Visa from First National Bank that offers an introductory 0% APR for the first 15 billing cycles.

The bank also offers fixed-rate mortgages, and you can check your FICO score for free before applying.

Areas Served by First National Bank of Omaha

FNBO has branches and ATMs in Nebraska, Colorado, Iowa, Illinois, Kansas, South Dakota and Texas, and it offers online banking to all of its customers. Those who live in other states can open an account through FNBO Direct, the bank’s online affiliate.

First National Bank of Omaha Is a Convenient Choice for Customers in the Midwest

First National Bank of Omaha reviews show that it’s a sound choice for those who live within the areas it serves and who want a bank with well-rounded offerings, including fee-free account options and convenient branches. Those located outside of the Midwest have the option of FNBO Direct, but it’s wise to look at other bank reviews to determine the best fit for you.

Click through to learn about how to withdraw cash from online banks.

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GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the issuers’ discretion. Some interest rates might be short-term or promotional offers only, and it is possible additional terms and conditions must be met in order to obtain the interest rates listed. Rates and availability might vary by region. Verify terms and conditions before opening an account. 

About the Author

Barb Nefer has been writing professionally for nearly 30 years, cutting her teeth as a news writer for the Daily Southtown in Chicago. She’s a doctor of psychology, and her eclectic expertise includes personal finance, psychology, travel and the pet industry. Her work reflects that diversity, with pieces appearing in places like, CBS Local,, WebPsychology, and Animal Wellness magazine.