First National Bank of Omaha Premier Checking Account

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.

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.

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!

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.

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!

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

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!

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.

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.

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.