First National Bank of Omaha review
Updated October 13, 2026 · SumCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
For households wanting everyday cards alongside home and personal borrowing, First National Bank of Omaha holds debit cards with savings and loan choices together. It suits people who want to manage daily spending and longer borrowing plans with one provider.
Key facts
Loans
- Credit check
- Hard↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- Consumer accounts only; CO, IA, IL, KS, MO, NE, SD, TX and WY residents within the lending area; borrowing amount based on income and credit score↗
- Loan types
- Personal, Credit-line, Debt-consolidation, Secured, Car↗
- Use cases
- Home-improvement↗
Savings
Pros
Pros
- Holds debit cards alongside easy access savings for daily money
- Supports home purchase, remortgage, equity and improvement borrowing routes
- Includes personal, secured, car and debt consolidation borrowing choices
Who it suits
- Households wanting cards and wider borrowing together
- Homeowners planning purchase, remortgage or improvement work
How First National Bank of Omaha compares
Where First National Bank of Omaha is available
- Available
- United States
- Licence in United States
- FDIC (FDIC cert 5452), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What products are covered?+
It holds debit cards for everyday spending alongside easy access savings for daily money. It also provides personal borrowing with secured options, car finance and debt consolidation. Home purchase, remortgage, equity and improvement routes are included.
Which areas are served?+
It serves households in Colorado, Iowa, Illinois, Kansas, Missouri, Nebraska, South Dakota, Texas and Wyoming within the lending area. Consumer accounts are the focus there. Card, savings and borrowing needs are handled for people in those states.
Who might use this offer?+
It suits households who want debit cards alongside home and personal borrowing in one place. It fits people planning a purchase, remortgage or improvement alongside everyday money use. Consider your needs across cards, savings and borrowing before choosing.
Which company operates First National Bank of Omaha?+
First National Bank of Omaha is operated by First National Bank of Omaha. (Source, checked September 26, 2026)
Where is First National Bank of Omaha based?+
First National Bank of Omaha is based in United States. (Source, checked September 26, 2026)
When was First National Bank of Omaha founded?+
First National Bank of Omaha was founded in 1857. (Source, checked September 26, 2026)
How can I contact First National Bank of Omaha support?+
First National Bank of Omaha offers support through Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- banks.data.fdic.gov/bankfind-suite/bankfind/details/5452 checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“CERT=5452; NAME=First National Bank of Omaha; WEBADDR=www.fnbo.com; ACTIVE=1”
- fnbo.com checked September 26, 2026
Backs: Lender type
“FNBO offers personal, business, commercial, and wealth solutions with branch, mobile and online banking for checking, loans, mortgages, and more.”
- fnbo.com/about-us checked September 26, 2026
Backs: Founded
“We were founded in 1857 by two brothers - Herman and Augustus Kountze.”
- fnbo.com/personal-banking/borrow checked September 26, 2026
Backs: Loan types
“Home Equity Loans and Lines of Credit, Personal Loans and Lines of Credit, Debt Consolidation, Auto Loans”
- fnbo.com/personal-banking/checking/debit-cards checked September 26, 2026
Backs: Card type, Monthly fee, Card network
“Visa Debit Card, No Service Fees”
- fnbo.com/personal-banking/mortgage-loans checked September 26, 2026
Backs: Fixed period, Maximum loan to value, Purpose
“FNBO's Lock & Shop program locks the initial interest rate for 60 or 90 days on 15- and 30-year conventional, 30-year FHA and VA fixed-rate purchase loan products.”
- fnbo.com/personal-banking/personal-loans checked September 26, 2026
Backs: APR, Credit check, Eligibility, Features, Use cases
“Personal Line of Credit: Enjoy a 1.99% fixed APR for 6 months, 15.24% to 21.24% APR variable thereafter”
- fnbo.com/personal-banking/savings checked September 26, 2026
Backs: Account kind
“A savings account that keeps it simple with online flexibility, no minimum balance and no monthly service fees.”
- fnbo.com/personal-banking/savings/savings-account checked September 26, 2026
Backs: Access terms, Minimum deposit, Pricing model, Rate type, Support channels
“Six Free Withdrawals per month. $5.00 fee for each additional withdrawal.”
- fnbo.com/tools-resources/fdic-insurance checked September 26, 2026
Backs: Deposit protection
Compiled from 10 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee, Rewards type.
First National Bank of Omaha
Everyday cards with home and personal borrowing together