First National Bank of Omaha Access Debit Account

The First National Bank of Omaha Access Debit Account is a checkless bank account solution with no overdraft or NSF fees. Primarily designed for those who need more help when it comes to money management, the FNBO Access Debit Account doesn't allow transactions in case of insufficient funds. It also doesn't include checks. All of this is done so as to help people build better banking habits, and learn to spend only what they have.

That said, the FNBO Access Debit still comes with everything you might need for daily banking - a free Visa debit card, Online and Mobile Banking, with account alerts, automatic payments, Bill Pay, mobile app with mobile check deposits, and more.

To apply for an FNBO Access Debit Account, you'll have to visit your local First National Bank of Omaha branch. You should get in touch with one of their bankers to learn more about this account. Give them a call at 800-642-0014.

No, First National Bank of Omaha doesn't offer any overdraft protection plans with its Access Debit Account, because the Access Debit Account doesn't allow overdrafts. In case you don't have enough money in your account to cover a transaction, the transaction will simply be declined.

With the FNBO Access Debit Account, you won't ever be charged any overdraft or NSF fees, even if you try to make a purchase, and it turns out you don't have enough money in your balance to cover the transaction.

By setting up customer account alerts, you'll always be up to date with your current balance, transaction history, scheduled payments, and other transactions. This can help you stay on top of your money as you'll always know how much money you've got available to spend, and how much you'll need to cover upcoming payments. Plus, in case your balance is getting low, you'll know when to transfer funds to your FNBO Access Debit, so you prevent having your transactions declined.

Knowing when your monthly statements are available, you'll be able to go through your monthly financial activities, so you can further analyze them, and see whether there's a category you're spending too much in or whether there have been any unusual or unauthorized transactions. Such information will enable you to organize your budget better, but also prevent fraud and identity theft. By being alerted each time an activity occurs or a change is made to your account, you'll be able to detect unauthorized transactions, activities or modifications, which you can then report to the bank immediately.

While First National Bank of Omaha doesn't offer any particular spending or budgeting tool you can use to better organize and manage your finances, you can always check out their Insights. Cashology can help you learn as much about personal finances as you should know for better money management. If, on the other hand, you need some basic help and information related to your account, you can also go through FNBO Personal Help Center or contact an FNBO banker for personal guidance and advice.

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!

FNBO offers Online and Mobile Banking solutions to its customers, just like any other bank does. Both Online and Mobile Banking include features necessary for daily banking, such as bill pay, automatic payments, money transfers, custom alerts, and account management. The difference between Online and Mobile Banking is that the latter is more optimized for mobile devices, as you can usually download a mobile banking app for more convenient access to your bank account. Also, you can make check deposits by simply taking a photo of a check using your mobile device.

Note that you need to enroll in FNBO Online Banking to be able to access your FNBO Access Debit Account whenever you want. You can also download the First National Bank of Omaha Mobile Banking app for your mobile device on the App Store or Google Play.

The FNBO Mobile Banking app allows you to access and manage your Access Debit 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, and transaction history,
• 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!

As with any other financial institution, the top FNBO's priority is to ensure security of its customers. To that end, the bank has taken the necessary measures to protect your personal and account information. Your account information is never stored on your phone. Besides, it is locked thanks to your unique user ID, password, four-digit passcode, and secure sign-in options, such as Touch ID and Face ID. In case of inactivity after login, you'll be automatically logged out to prevent others from accessing your account. Do note it's important that you only access your FNBO bank account using a safe network. However, any data transmitted are encrypted, in both Online and Mobile Banking.

First National Bank of Omaha also uses firewalls that prevent unauthorized access to their systems, as well as advanced virus protection technology to detect and prevent viruses from attacking their network. With regular updates and patching, the bank minimizes its systems' vulnerabilities to cyber attacks.