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Discover the Top-Notch Services at First National Bank of Omaha

First National Bank of Omaha: A Comprehensive Guide

If you live in the Midwest, chances are youve heard of First National Bank of Omaha. Established in 1857, this bank has been serving the people of Omaha for over 160 years.

And, as one of the largest privately held banks in the United States, it is a financial institution with a solid reputation. But what sets First National Bank of Omaha apart from other banks?

In this article, well take a closer look at the history and locations, the top-notch customer service, and the range of products and services offered by this bank. Well also take a closer look at the checking account options, fees, and forgiveness policies.

History and Location

First National Bank of Omaha was founded in 1857 and is headquartered in Omaha, Nebraska. It has over 100 locations across the United States, with a majority of these being in Nebraska and Iowa.

This community bank has been a staple in the Midwest for over a century and a half.

Top-notch

Customer Service

First National Bank of Omaha is known for its top-notch customer service. In a recent J.D. Powers Customer Satisfaction Study, it was ranked first for overall customer satisfaction in the Midwest region.

Additionally, GOBankingRates named it one of the banks with the best customer service in America. As a customer of First National Bank of Omaha, you can expect knowledgeable and friendly service every time you interact with the bank.

Products and Services

First National Bank of Omaha offers a wide range of products and services for individuals and businesses. These include banking, investment, wealth management, retirement, and business services.

Heres a closer look at each of these categories:

– Banking: First National Bank of Omaha offers a variety of banking options, including checking accounts, savings accounts, and certificates of deposit (CDs). It also offers loans for personal and business use, as well as credit cards.

– Investment: First National Bank of Omaha offers a full range of investment services, including stocks, bonds, mutual funds, and retirement planning. Its investment advisors can help you create a customized financial plan that meets your specific needs.

– Wealth Management: If you have significant assets that need to be managed, First National Bank of Omaha also offers wealth management services. Its advisors can help you with everything from estate planning to tax management.

– Retirement: First National Bank of Omaha offers a variety of retirement accounts, including Traditional IRAs, Roth IRAs, and Simplified Employee Pension (SEP) plans. Its advisors can help you choose the right retirement account for your needs.

– Business Services: First National Bank of Omaha also offers a range of business services for small and large businesses. These include business banking, loans, credit cards, and cash management solutions.

First National Bank of Omaha Checking Accounts

Now, lets take a closer look at First National Bank of Omahas checking accounts. The bank offers three different types of checking accounts: Free, Premier, and Access Debit.

Account Options

The Free Checking account is exactly what it sounds like its a completely free checking account with no monthly maintenance fees. The Premier Checking account is a high-interest checking account that requires a minimum balance of $4,000.

The Access Debit Checking account is tailored to customers who want a simple, no-frills checking account with no minimum balance requirements.

ATM Access and Interest

With the Premier Checking account, you get access to over 500,000 ATMs worldwide, and you also earn interest on your balance. The Access Debit Checking account does not earn interest, but you still have access to First National Bank of Omahas extensive ATM network.

Fees and Forgiveness

The Free Checking account has no monthly maintenance fees, and the Premier Checking account has a $15 monthly maintenance fee, which can be waived with a minimum balance of $4,000. The Access Debit Checking account has a $10 monthly maintenance fee, which can be waived with a monthly direct deposit of $500 or more.

In terms of overdraft fees, First National Bank of Omaha charges $35 per item. However, the bank does offer forgiveness for the first overdraft per year.

Additionally, if your account is overdrawn by less than $5, there is no overdraft fee.

Conclusion

First National Bank of Omaha is a community bank with a solid reputation for top-notch customer service and a wide range of product and service offerings. Its checking account options offer something for every customer, from the simple, no-frills Access Debit Checking to the high-interest Premier Checking.

With a robust ATM network and forgiveness policies for overdraft fees, First National Bank of Omaha is a great choice for anyone looking for a reliable, customer-focused bank.

First National Bank of Omaha Savings Account

Having a savings account is important for anyone who wants to build up their emergency fund or save for specific goals like a down payment on a home or a dream vacation. At First National Bank of Omaha, customers have several savings account options to choose from.

Savings

Account Options

First National Bank of Omaha offers three different savings accounts: Basic Savings, Savings, and Premier Savings. Each account has varying interest rates and benefits.

The Basic Savings account is a no-frills savings account with a low minimum opening balance and no monthly fees. The Savings account offers relationship rates, which means that customers who have other accounts or loans with the bank may qualify for higher interest rates.

The Premier Savings account is designed for customers who maintain higher balances and offers even higher interest rates than the Savings account. In addition to these savings account options, First National Bank of Omaha also offers a money market account and a Flex Savings account.

The money market account tends to offer higher interest rates but requires a higher minimum balance to avoid fees. The Flex Savings account allows customers to automatically transfer money from their checking account to their savings account with each transaction.

Minimum Balance and Fees

The Basic Savings account has no minimum balance requirement and no monthly fees. The Savings account requires a $1,000 minimum opening balance and a $25 monthly fee if the account balance falls below $1,000.

The Premier Savings account requires a $25,000 minimum opening balance and has a $25 monthly fee if the account balance falls below $25,000.

Additional Savings Products

In addition to savings accounts, First National Bank of Omaha also offers other ways for customers to save money. The money market account is one such product.

A money market account is similar to a savings account, but typically pays higher interest rates. Customers can access their money market account through online banking, by phone, or at any First National Bank of Omaha location.

The bank’s Flex Savings account is another savings product that makes saving money simple and automatic. This account automatically transfers a percentage of each deposit made into a customer’s checking account to their savings account.

The percentage is chosen by the customer and can be changed at any time.

First National Bank of Omaha CD Accounts

If you’re looking for a guaranteed interest rate for a fixed period of time, a certificate of deposit (CD) might be the right savings option for you. First National Bank of Omaha offers several CD options with varying terms and interest rates.

CD Options and Terms

First National Bank of Omaha offers CD accounts with terms ranging from 91 days to five years. The longer the term, the higher the interest rate tends to be.

CDs with longer terms also tend to have higher minimum opening balances. Guaranteed interest rates mean that the interest rate on the CD is locked in for the term of the CD.

This means that customers can count on earning a fixed amount of interest on their investment. It also means that customers cannot withdraw the money from the CD without paying a penalty.

Relationship and Premier CD Options

Just like with savings accounts, First National Bank of Omaha offers relationship CD options. These CDs typically offer higher interest rates to customers who have other accounts or loans with the bank.

The Premier CD option is designed for customers who maintain higher balances. This CD option offers even higher interest rates than the relationship CDs.

When shopping for a CD account, it’s important to compare interest rates and terms from several different banks.

The best CD rates may vary depending on the bank and the term of the CD. It’s important to shop around to find the best rate for your specific needs.

CD Comparison

When comparing CD accounts, there are several factors to consider. These include the interest rate, the minimum deposit required, the term of the CD, and any fees associated with the account.

Customers should also consider the bank’s reputation and customer service. Even small differences in interest rates can add up to significant earnings over time, so it’s important to choose a CD that will earn the most interest over the term of the account.

First National Bank of Omaha CD accounts offer guaranteed interest rates for fixed terms and are ideal for customers who don’t need to access their money in the short term. The bank’s relationship and Premier CD options offer even higher interest rates and are worth considering if you have other accounts or loans with the bank.

However, it’s always important to shop around and compare rates to ensure you’re getting the best option for your financial goals.

Banking Experience

First National Bank of Omaha offers its customers a personalized and convenient banking experience. Whether you prefer to bank in person or online, First National Bank of Omaha has a range of services available to help you manage your money.

Personal Service at Branches

One of the advantages of banking with First National Bank of Omaha is the knowledgeable representatives that are available in local branches. The representatives are professional and knowledgeable and are available to help with all types of financial needs.

Whether youre opening an account, applying for a loan, or simply have a question about your accounts, you can count on getting the help you need. When you visit a local branch, you can expect to receive personalized service and attention from the representatives.

They take the time to understand your financial situation and offer solutions tailored to your individual needs. Online/Digital Banking

In addition to the personalized service offered at branches, First National Bank of Omaha also offers digital banking options for customers who prefer to manage their money online.

The FNBO Mobile app and online dashboard provide customers with easy and secure access to their accounts. The FNBO Mobile app allows customers to check account balances, transfer money, pay bills, and deposit checks.

The app also allows customers to set up push notifications for account activity, making it easier to stay on top of their finances. The online dashboard provides customers with a comprehensive view of their accounts, including checking, savings, and credit cards.

Customers can also pay bills and transfer money between accounts using the online dashboard.

FNBO Ranking and Customer Satisfaction

First National Bank of Omaha is ranked as one of the top five banks in the Midwest by the J.D. Powers Customer Satisfaction Study. This ranking is based on the bank’s ability to meet customer needs and provide a superior customer experience.

The bank’s knowledgeable representatives and personalized service are key factors in its high ranking.

Customer Service

At First National Bank of Omaha, friendly and knowledgeable bank representatives are available to help customers with all their financial needs. Whether you have a question about a specific account or need help with a loan application, the bank’s customer service representatives are there to help.

The J.D. Powers Customer Satisfaction Study has consistently ranked First National Bank of Omaha as one of the top banks in the Midwest for customer service. This ranking is based on the bank’s ability to provide friendly and knowledgeable service to its customers.

In addition to the personalized service provided by the bank’s representatives, customers can also take advantage of the bank’s online and digital banking options. The FNBO Mobile app and online dashboard provide customers with secure and convenient ways to manage their money.

Conclusion

At First National Bank of Omaha, customers can expect a personalized and convenient banking experience. Whether you prefer to bank in person or manage your money online, the bank has a range of services available to meet your needs.

The knowledgeable and friendly representatives are available to help with all types of financial needs and have consistently ranked highly in customer satisfaction studies. With secure and convenient digital banking options, banking with First National Bank of Omaha is both easy and hassle-free.

Accessibility and

Branch Availability

First National Bank of Omaha has over 100 branches in eight states: Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas, and Wyoming. With such a broad range of locations, the bank makes it easy to access banking services no matter where you are.

Branch Availability

First National Bank of Omaha’s branch locations are staffed by professional and knowledgeable bank representatives who are ready to assist customers with all of their banking needs. Customers can rely on these representatives to offer personalized and efficient service, with support for everything from opening an account to refinancing a mortgage.

Whether you’re looking to open a new account or have a question about your existing account, the bank’s representatives are ready to help. You can visit any of the branches during regular business hours or schedule an appointment if you need more specialized services.

ATM Accessibility Worldwide

In addition to branch locations, First National Bank of Omaha also offers access to a network of more than 55,000 ATMs worldwide. With this extensive ATM network, customers can easily withdraw cash and check account balances regardless of their location.

Plus, as a member of the MoneyPass network, First National Bank of Omaha customers can enjoy surcharge-free ATM access at thousands of ATMs across the US.

Mobile and Digital Experience

First National Bank of Omaha offers a suite of mobile and digital banking services designed to provide customers with convenient and secure access to their accounts. The FNBO Mobile app and online dashboard allow customers to manage their accounts conveniently, with access to a range of features and functions.

FNBO Mobile App and Online Dashboard

The FNBO Mobile app and online dashboard make banking easy and accessible, offering a well-organized and easy-to-navigate user interface that allows customers to handle almost everything related to their accounts. Customers can check account balances, transfer funds, pay bills, and deposit checks from their mobile device or computer.

Data Encryption and Validation

One of the key features of the FNBO Mobile app and online dashboard is the high level of security they offer. The app and dashboard both use encrypted data to protect sensitive information and two-step authentication to validate user logins.

Customer Ratings

First National Bank of Omaha’s mobile banking apps have received strong ratings from customers across both the Google Play and iOS app stores. The FNBO Mobile Banking app has an average rating of 4.6 stars on Google Play and a 4.8-star rating on the App Store, while the FNBO Mobile Direct App has an average rating of 4.8 stars on Google Play and a 4.5-star rating on the App Store.

Conclusion

First National Bank of Omaha offers accessible and convenient banking services to customers across eight states, with over 100 branches and an extensive ATM network. The bank’s mobile and digital banking services provide a secure and efficient way for customers to manage their accounts, with a well-organized and easy-to-use interface.

With strong ratings from customers across both app stores, First National Bank of Omaha’s mobile banking apps provide a reliable and convenient banking experience.

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