FNBO Direct

P.O. Box 3707
NE 68103-0707

Deposit Rates APY Vs.Others
Savings 4.75% 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.25% →
3-Year CD N.A. 5.00% →
4-Year CD N.A. 4.55% →
5-Year CD N.A. 4.55% →

2024 Overview

General Online Bank Information

Money that you deposit is held by First National Bank of Omaha. First National Bank of Omaha is an FDIC insured institution founded in 1857. It has approximately $31.11 billion in assets.

Deposits FDIC Insured Yes
Insured Bank First National Bank of Omaha
FDIC Certificate # 5452
Date Established 1857
Assets $31.11 billion
Loans $21.8 billion
Deposits $26.34 billion
Capital $2.67 billion

For a more detailed analysis of First National Bank of Omaha's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 21, 2024

Online Savings and Money Market Rates
Online Savings and Money Market Rates APY MIN MAX
Online Savings Account
4.75% $1 - Learn More

Climate Policy and Initiatives

Parent Bank Initiatives:

We are committed to achieving our 2035 sustainability goals. We will strive to make a positive impact on the environment by 2035 by:

  • Making $250 Million in energy-efficient investments including financing green energy and making operational improvements that decrease FNBO's carbon footprint.
  • Achieving Net Zero Scope 1 and Scope 2 GHG Emissions by continuing to make energy-efficient improvements to our corporate offices and retail branches that reduce energy consumption. Examples include automated building systems, solar panels, mechanical system upgrades and LED lighting upgrades.
  • Reducing Water Consumption by 20% by implementing water-saving technologies such as smart irrigation systems.
  • Realizing a 90% Water Diversion Rate in corporate buildings and retail branches by implementing more robust recycling and composting programs.

Updated April 2, 2024

FNBO Direct Climate Score: B

FNBO Direct Climate Score Info: FNBO has clear climate mitigation goals and does not appear to be a lender to carbon-producing industries.

Customer Reviews for FNBO Direct (5)

  • March 14, 2018 | | Replies 1

    Online Savings Rates

    Poor service. Condescending attitude.
    Savings application denied without giving reason (Equifax file had a freeze because of hacking history) and not advising customer of need to unfreeze credit file for application verification).

    Chandra | May 21, 2024

    I had a similar experience. My application did not get processed when I applied for my FNBO direct account. First site said someone will contact me by phone or email. Then, I received an email asking me to complete my application process, but when I logged in, there was nothing for me to complete. I called customer service, they said they have to review it by hand, it will take 48 hrs to see what is missing. 48 hrs passed - no email or phone call. I called customer service back talked to the manager, who said he would send the document again to the department that process this application. I was told I need to fax or mail address proof, I faxed address proof. They cannot even confirm if they received my fax yet, let alone the status of the application. Horrible service. Stay away from this bank. I am regretting for even applying here.

  • February 26, 2018 |

    Online Savings Rates

    This is a very poorly run online bank. I have followed the area and the bank for years and ordinarily this one is not rate competitive. They may have recently raised to 1.60%, but when rates are 2% in 3 months, they will still be at 1.60%. Consider that. Consider the hard credit pull. Then move along.

  • January 14, 2018 |

    Online Savings Rates

    Did a hard credit pull a rejected me. Choose a different bank from this list.

  • May 2, 2016

    Online Savings Rates

    All I can say is that these guys rejected me for a savings account. They rejected me for a savings account?1?

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