Core Insights - First National Bank of Omaha (FNBO) was established in 1857 and is headquartered in Omaha, Nebraska, providing services online but limited to customers in eight U.S. states [1] Product Overview - FNBO offers various checking accounts, including Access Debit with no monthly fee or minimum balance but no checks or overdraft protection [2] - Free Checking account has no monthly fee or minimum balance but does not earn interest or offer overdraft protection, while providing free checks [3] - Premier Checking account allows deposits to earn 0.02% APY, with a waived monthly fee if an average daily balance of $15,000 is maintained, and includes free checks and overdraft protection [4] - Savings accounts earn interest if linked to an FNBO checking account, with rates depending on deposit amount and location [4] - Money Market account requires a minimum deposit of $1,000 to open, has no monthly fee or minimum balance, and allows six fee-free withdrawals per month [6] - Flex Savings account combines features of a CD and savings account, offering a rate-lock option with a maximum rate of 3.5% for a 3-month lock, and a $25 monthly fee waived with a $1,000 balance [7] - Certificates of Deposit (CDs) can be opened with a minimum of $500, with terms ranging from 91 days to five years and rates up to 3.20% APY [8] Loan Offerings - FNBO provides a variety of loan types, including credit cards with different rewards, personal loans, mortgages, and auto loans [9][13] Customer Service and Mobile Banking - FNBO offers 24/7 customer support via phone and has mobile banking apps for iPhone and Android, with user ratings of 4.6 stars on Google Play and 4.8 stars on the Apple App Store [15] Social and Environmental Impact - FNBO contributed over $7.5 million to nonprofit organizations in 2024, but has received mixed reviews regarding its environmental policies, falling short in climate responsibility according to Bank.Green [16]