First National Bank of Omaha Premier Checking Account

Get more from your checking account, and earn interest on your balance.

securely on the bank's website

The First National Bank of Omaha Premier Checking account is designed for those with higher balances looking to take advantage of competitive APY rates, and enjoy additional relationship benefits with FNBO.

Just like the FNBO Free Checking Account, the FNBO Premier Checking comes with almost all things free! When you open an FNBO Premier Checking, you'll receive a complimentary Visa Debit card - and there's a variety available for you to choose from! You can use this Visa worldwide, whether it be for physical, in-store payments, online purchases or at ATMs. With free access to over 55,000 Allpoint ATMs across the globe, you'll be able to withdraw funds without incurring any additional fees. If you ever find yourself at an ATM that doesn't belong to the network, FNBO won't charge you extra - but the ATM owner might, so keep that in mind. You can also link your FNBO Visa debit card to a digital wallet, which is quite a convenient way to make payments using your device, as you won't need to carry your physical Visa debit card. This reduces the risk of identity theft and financial fraud! Speaking of financial scams, FNBO does its best to ensure the security of its customers and their personal and account information using advanced technology to protect you when you use their Online and Mobile Banking. Plus, you can bank with confidence, knowing all your deposits are FDIC-insured as well!

As an FBNO Premier Checking customer, you'll receive many perks free of charge, including monthly statements, bank logo checks, and more. Additionally, you'll enjoy a suite of benefits designed exclusively for the owners of the FNBO Premier Checking account. However, these are attractive only to those looking to open an additional bank account with FNBO, whether it be a savings account or a loan. Either of these might be useful, though, if you're interested in First National Bank of Omaha's overdraft protection plans, as you can link your secondary account to your FNBO Premier Checking. This way, if you ever run out of funds, money will be automatically transferred from your linked to your FNBO Premier Checking account, and you'll avoid overdraft fees (most of the times). Setting up account alerts are a much better way to keep an eye on your current balance, and prevent its becoming negative altogether.

The APY rates offered with the FNBO Premier Checking are fairly competitive, so if you'd like to earn interest on your balance, you should definitely consider opening this checking account. Even better if you can meet the monthly fee waiver requirements, as you'll get to enjoy all these things for free! In any way, the monthly fee isn't as high, although there might be more compelling interest-bearing checking account offers that don't cost a dime. Shop around, and make a decision based on your financial needs and possibilities.

 

Checking account details

Checking account fees

  • Monthly Fee
    $15 (can be waived)
  • APY
    0.05%
  • Minimum Deposit to Open
    $0
  • Out-of-Network ATM Transaction Fee
    $0
  • Out-of-Network ATM Withdrawal Fee
    $0
  • Overdraft Fee
    $33
  • Non-Sufficient Funds Fee
    $33
  • Foreign Transaction Fee
    3%

First National Bank of Omaha Premier Checking Account FAQ

1. What overdraft protection coverage does FNBO offer?

There are two overdraft protection options First National Bank of Omaha offers to its customers, namely:

1. Overdraft Protection

By setting up Overdraft Protection, you'll be able to link an FNBO savings account or an FNBO line of credit to your Premier Checking, so your transactions will be completed even if you don't have enough money in your balance. The funds will be automatically transferred from your linked to your Premier Checking, and you'll avoid overdrafts.

2. Overdraft Service

With Overdraft Service, FNBO will know how to proceed when you don't have enough money in either your primary or your linked FNBO account that's part of Overdraft Protection. Depending on your decision, FNBO will approve or decline any such transaction, but you still may be charged overdraft or NSF fees.

2. What is Overdraft Forgiveness?

With First National Bank of Omaha's Overdraft Forgiveness, you're allowed to overdraw your account once per year. This means you might overdraw your account or have a check returned without incurring any overdraft or NSF fees, regardless of whether you've set up Overdraft Protection or not! It's basically a yearly overdraft/NSF fee waiver.

3. Will I still be charged overdraft fees if I set up overdraft protection?

You might be charged overdraft fees when First National Bank of Omaha authorizes a transaction even if you don't have sufficient funds in your Premier Checking balance to cover the transaction. However, you won't be charged any overdraft or NSF fees for amounts totaling $20 or less. Plus, you will receive 1 fee-free overdraft or returned item per year!

4. How can account alerts help me better manage my FNBO Premier Checking account?

By setting up account alerts, you'll be instantly notified of anything that happens with your account. This way, you can prevent identity theft and unauthorized transactions, but also avoid going overdraft or forgetting to pay bills.

First National Bank of Omaha will text or email you each time there's a modification you'd like to know about. For example, you can set up alerts to inform you when there's an upcoming payment, transaction update or monthly statement available. You can also receive spending alerts, so you know how much money you've got in your balance and keep track of your budget. With account protection alerts, you'll know when a change's been made to your account, whether it be your Online and Mobile Banking profile or else.

As you can see, these alerts are more than useful, and highly recommended if you want to better organize your finances, bank safely, and avoid unnecessary banking fees.

5. What can I use the FNBO Mobile Banking app for?

The FNBO Mobile Banking app allows you to access and manage your Premier Checking account wherever you are, 24/7. Using the app, you can organize your finances and manage your budget in a simple and secure way.

Among many other things, the FNBO Mobile Banking app lets you to:

  • view your account balances, scheduled and recent payments, transaction history, and processed checks,
  • pay bills and credit cards,
  • transfer money between your FNBO accounts,
  • send money to other FNBO customers,
  • set up account alerts,
  • make mobile check deposits,
  • locate an FNBO branch or ATM nearby,
  • contact FNBO customer support.

No matter how many or which FNBO bank accounts you've got, you'll be able to keep them all in one place using the FNBO Mobile Banking app, which will certainly make daily banking a lot easier for you!

6. Where can I download the First National Bank of Omaha Mobile Banking app?

You can download the First National Bank of Omaha Mobile Banking app for your mobile device on the App Store or Google Play.

7. What Visa debit card will I get with a FNBO Premier Checking account?

There are several Visa debit cards First National Bank of Omaha offers to its Premier Checking account customers.

The Visa debit cards in First National Bank of Omaha's lineup include:

  • Visa® Debit Card, with up to $3,000 in purchases, and $1,000 in withdrawals per day,
  • Platinum Visa Debit Card, with up to $10,000 in purchases, and $1,000 in withdrawals per day.
  • The Rose Gold Debit Card [specialty card],
  • Visa Debit Fan Card, with up to $10,000 in purchases, $1,000 in withdrawals per day, unique fan experiences, ticket opportunities, and free checks with a university logo [fan card],
  • Pink Visa Debit Card, with up to $10,000 in purchases, and $1,000 in withdrawals per day [specialty card, supports breast cancer prevention initiatives].

You can order whichever you prefer - all of them come with Visa's Zero Liability, no monthly service fees, no transaction fees, and no annual fees!

8. What is Visa Secure Remote Commerce (Visa SRC)?

Visa Secure Remote Commerce (Visa SRC) is a free, digital wallet service provided by Visa. By enrolling in Visa SRC, you'll be able to make instant payments when shopping online by simply clicking on the Click to Pay icon to check out. You won't need to enter your Visa card information each time you shop online, as it will be safely stored in your account once you've signed up. This minimizes the risk of identity theft, and makes your information safe, since you won't have to share it with merchants at all.

9. How can I find an FBNO branch or ATM?

You can use FNBO's ATM and branch locator online or find a branch or ATM nearby using the FNBO Mobile Banking app. You can download the First National Bank of Omaha Mobile Banking app for your mobile device on the App Store or Google Play.

10. Where can I find First National Bank of Omaha's BIC or Swift code, and routing number?

First National Bank of Omaha's BIC/SWIFT code for International Wires is FNBOUS44. You can find your routing number at the bottom of your check or by visiting the FNBO Routing Number page, where you'll be asked for your zip code, since these numbers might differ from one state to another. If you have any other questions related to your routing number or wire transfers, you can reach out to an FBNO representative at 800-642-0014.

Check out other First National Bank of Omaha checking account offers
Bank Monthly Service Charge Minimum Deposit to Open APY
First National Bank of Omaha Free Checking Account $0 $0 0.00%
First National Bank of Omaha Premier Checking Account $15 (can be waived) $0 0.05%
First National Bank of Omaha Access Debit Account $4 $0 0.00%
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Bank Monthly Service Charge Minimum Deposit to Open APY
Comerica Bank Rich Rewards® Checking Account $18 (can be waived / reduced) $50 0.01%
Comerica Bank Premier Checking Account $22 $50 0.01%
Comerica Bank Comerica Platinum Circle Checking® $0 $50 0.10% / 0.25%