FNBO Direct is an online bank featuring online savings and money market accounts that make your money work hard for you.
General Information FAQS
Get to know FNBO Direct, how to open an account and more.
General Information FAQs
- General Information
- Account Opening
- System & Technical Requirements
No. You may keep your existing accounts at other financial institutions if you wish. You can link up to five external accounts to your FNBO Direct Accounts. You may transfer money between those external "linked accounts" and your FNBO Direct Accounts.
Deposits at FNBO Direct are FDIC insured to the maximum allowed by law. Funds in FNBO and FNBO Direct accounts will be summed for purposes of insurance coverage. To review our FDIC Information, please click here to access the FDIC search listing. Search for First National Bank of Omaha, Omaha NE. Our FDIC Certificate number is 5452.
Monday through Friday, excluding holidays.
ACH stands for Automated Clearing House. All direct deposits or withdrawals transferring from one account to another are routed through the Federal Reserve for verification of origin of funds.
Your FNBO Direct account is available 24 hours a day, 7 days a week by visiting www.fnbodirect.com.
Email Us
Select Contact Us at the upper right of your screen and drop us a line. We'll email you back within 24 hours with a response to your question.
Call Us
If you would like to speak with a Customer Service representative, call 877-370-3707, 24 hours a day, 7 days a week.
Hearing Impaired: We accept calls made through relay services (dial 711)
Mail Us
You can contact us by mailing correspondence to the following address:
FNBO Direct
P.O. Box 3707
Omaha, NE 68103-0707
Fax Us
402-938-5325
FNBO Direct Accounts are available through the online application. Locate the "Apply Now" button on the homepage or click the “Start Saving” button on the Online Savings Account or Online Money Market Acount product pages.
You can open an Online Money Market Account with $0 and an Online Savings Account with as little as $1.
Typically, you will receive a decision instantly. In some cases an application may need be reviewed in more detail which can take up to two business days.
Yes. Simply select, Add Additional Applicant button during the application process.
Yes. The online application process includes information on how to make your initial deposit by check.
It should only take a few minutes to open your FNBO Direct Online Savings or Online Money Market Account.
It only takes a few minutes to open your FNBO Direct Online Savings Account.
All applications must be submitted online. We're efficient! No paper. No branches. No mailed applications. This allows us to offer you a great rate on products and services that help you meet your financial goals faster.
No. The application process does not affect your credit score.
Interest payments to you may be subject to "backup withholding." Under the IRS's backup withholding rules, we must withhold a certain percentage on payments to you if:
- You have not given us your taxpayer identification number in the required manner.
- The IRS has notified us that the taxpayer identification number you provided is incorrect.
- The IRS has notified us to start withholding on interest and dividends because you had not reported all of your interest or dividend income in prior years; or
- You have not certified that you were not subject to backup withholding on interest and dividends.
For more information, see Topic 307 at www.irs.gov.
You will need a computer with Internet access to use Online Banking. Using a recommended browser with javascript enabled and 256-bit encryption will provide the best website performance and will have the latest security features to protect your online banking.
FNBO Direct Online Banking supports the following browsers: