Here’s Your FNBO Direct Routing Number
Written by
Sean Dennison
Edited by
Renee Ross
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FNBO Direct is the online banking service provided by the First National Bank of Omaha. As a strictly digital service, customers can open and access high-yield online savings and checking accounts.
Even as an online bank, FNBO Direct still uses a routing number for domestic transfers. Knowing your FNBO Direct routing number is essential for hassle-free financial transactions. Whether you’re setting up direct deposits, making wire transfers, or paying bills, having this information ensures your money gets where it needs to go without a hitch.
FNBO Direct Routing Number by State
Although FNBO uses multiple routing numbers to serve different states, FNBO Direct only has one routing number:
| FNBO Direct Routing Number |
|---|
| 104000016 |
Because FNBO Direct is an online bank, it only uses the routing number based on its headquarters, which is in Omaha, Nebraska.
How To Find Your FNBO Direct Routing Number
On a Check
You can find the routing numbers at the bottom left corner of your FNBO Direct check. It’s the first nine-digit number, followed by your account number.
Through Online Banking
To locate your routing number online:
- Log in to your FNBO Direct online banking account.
- Navigate to the “Account Details” or “Settings” section.
- Your routing number will be displayed alongside your account information.
By Contacting Customer Service
If you’re still unsure, you can reach out to FNBO Direct’s customer service:
- Phone: 1-877-370-3707
- Hours: Available 24 hours a day, 7 days a week
FNBO Direct Routing Numbers for Wire Transfers
If you’re sending a wire transfer, using the correct routing information ensures your money reaches the right destination smoothly. Here’s what you need to know:
| Transfer Type | Routing Number | SWIFT Code |
|---|---|---|
| Domestic Wire Transfer | 104000016 | N/A |
| International Wire Transfer | 104000016 | FNBOUS44XXX |
For domestic transfers, all you need is the routing number. If you’re sending money internationally, you’ll also need the SWIFT code to route the transfer properly. Always double-check the details with the recipient to prevent delays.
FNBO Direct Routing Number vs. Account Number: What’s the Difference?
While both numbers are essential for banking transactions, they serve different purposes:
- Routing Number: Identifies the financial institution and ensures that transactions are routed to the correct bank.
- Account Number: Uniquely identifies your specific account within the bank.
Both numbers are necessary for setting up direct deposits, automatic payments, and wire transfers.
How To Use Your FNBO Direct Routing Number
Your routing number is used in various financial transactions, including:
- Setting Up Direct Deposit: Provide your employer with FNBO Direct’s routing number and your account number to have your paycheck deposited directly into your account.
- Making ACH Transfers: Use the routing number for automatic payments, such as utility bills or loan payments.
- Paying Bills Online: When setting up bill payments through FNBO Direct’s online banking platform or a third-party service, you’ll need the routing number and your account number.
Having your FNBO Direct routing number handy ensures that your financial transactions are processed smoothly and accurately. Whether you’re receiving funds via direct deposit, sending money through a wire transfer, or setting up automatic bill payments, this information is key to a seamless banking experience.
Information is accurate as of Feb. 11, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
