Here’s Your FNBO Direct Routing Number

Banks use routing numbers to ID each other.

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. Keep reading to learn your FNBO Direct routing number.

FNBO Direct Routing Number

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 where it’s headquartered, which is in Omaha, Nebraska.

Related: FNBO Direct Bank Review

FNBO Direct routing number

What Is a Routing Number?

Banks use routing numbers to identify each other. Routing numbers have nine digits that contain chunks of information that confirm the identities of the financial institutions involved in banking transactions. The history of routing numbers stretches back over a century. The American Bankers Association formerly introduced them back in 1910. Originally used to identify check-processing endpoints, the routing number now serves a variety of functions, including online payment processing.

Read More: What Is a Routing Number? What They Are and How To Find Them

Can Banks Have Multiple Routing Numbers?

Yes, they can. Unlike FNBO Direct, FNBO uses different routing numbers depending on where its customers live. You can find different FNBO numbers on the bank’s website. Nationwide banks like Wells Fargo and Citibank are other examples of banks that use multiple routing numbers.

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How Do You Find a Routing Number on a Check?

The routing number on a check is located in the bottom-left corner, right before your account number. If you ever find a different routing number on your check than the one on your bank’s website, it likely means that the routing number was assigned based on your bank’s location.

Now Learn: How To Write a Check in 6 Easy Steps

What Is the Routing Number for International Transfers?

FNBO Direct does not have a SWIFT code, which is a routing number for international transfers. Customers can only execute domestic wire transfers with their FNBO Direct account, according to a bank representative GOBankingRates spoke to. FNBO, however, does have a SWIFT code.

FNBO SWIFT Code
FNBOUS44

If you link your FNBO Direct account to an FNBO account that can receive international wires, you can circumvent that limitation.

More on FNBO Direct

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About the Author

Sean Dennison

Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.

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