About FNBO Direct

First National Bank Omaha is a subsidiary of First National of Nebraska, a multi-state holding company located in the heart of downtown Omaha, with a strong banking heritage that dates back over 150 years.
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Overall Rating

MyBankTracker rated FNBO Direct based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.

B

MyBankTracker Rating

Customer Rating
Based on 4 Reviews
Financial Health
Based on Texas Ratio: 7.38
Bank Fees
vs. Average
Bank Rates
vs. Average
Mobile Banking
Quality of Mobile Services

Most Helpful Customer Reviews

Jon S's Profile Image

Reviewed by Jon S

Sep 3rd 2009

5 out of 5 marks

No frills bank that delivers

Its true that initial funding takes longer than I would expect (5 days) but overall I am pleased with the experience. You get a bunch of transfers per month and a debit card so this could be more like a checking account rather than a savings, that flexibility is a very good thing when other banks make you carry a minimum balance and jump through other hoops so that you don't have to pay a monthly fee. To top it all off the interest rates are always near the top of the heap, if not the top. I recommend this bank to friends and family.

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
Online Savings

0.85%

$0

$1

NAME RATE (APY) MIN TO EARN APY Min Deposit
Online BillPay

0.65%

$0

$1

TERM RATE (APY) Min Deposit
6 Month CD

0.16%

$500

9 Month CD

0.26%

$500

12 Month CD

0.31%

$500

18 Month CD

0.41%

$500

24 Month CD

0.50%

$500

36 Month CD

0.70%

$500

48 Month CD

0.90%

$500

60 Month CD

1.15%

$500

Banking Fees

Type Fee National average
Monthly Inactivity

$25

Initial Dormant Account Fee, $5 Monthly Fee

$7

Non-Sufficient Fund (Overdraft)

$33

$30

Stop Payment item

$33

$27

Return Deposit

$30

$13

Domestic Wire Transfer (Outbound)

$15

$22

Domestic Wire Transfer (Inbound)

$0

$9

Non-Bank ATM

$2.50

Foreign ATM are those not branded with the (Circle One) logo

$1