Thanks for being part of the FNBO family! To show our thanks, we're giving you an up to $500 cash bonus.* Just open a new FNBO Checking account with code EARN500 and meet the deposit requirements. High-value banking, made for you.
Enter promo code: EARN500 during the application process or share it with your banker to redeem your offer.
Earn $300 with total qualifying direct deposits of at least $1,500
Earn $500 with total qualifying direct deposits of at least $3,000.
Your cash bonus will be automatically deposited into your account at least 120 days after opening.
FNBO FREE CHECKING
No Overdraft fees2
No monthly service fees or minimum balance requirements
No ATM fees from us (other banks and ATM operators' surcharges may apply)
Every year, Americans pay an average of $311 in banking fees.3
You don't have to be one.
FNBO Free Checking lets you keep your money, giving you more to do what you want.
* Checking Bonus Details
Offer Availability
This promotional cash bonus offer is available online and at FNBO-branded branch locations in counties served by First National Bank of Omaha (“FNBO”). To be eligible, a new eligible personal checking account must be opened on or before 5/31/2026.
Eligibility
This offer is available only to customers who do not currently have an open FNBO consumer checking account at the time of account opening. Customers who closed an FNBO checking account within the previous 6 months are not eligible. Limit one (1) bonus per customer. For joint accounts, only one (1) bonus will be paid per qualifying account.
How to Earn the Bonus
To earn the bonus, customer must: (1) open a new eligible personal checking account with FNBO on or before 5/31/2026; (2) provide promo code EARN500 at account opening, whether online or in branch; (3) receive qualifying direct deposits within 90 calendar days beginning on the day of account opening; and (4) keep the account open and in good standing for at least 120 days beginning on the day of account opening.
1Bonus Amounts
Bonus eligibility is based on the total amount of qualifying direct deposits received within 90 days after account opening, as follows:
If customer qualifies for the $500 Bonus, customer will receive the $500 Bonus only and not both bonus amounts.
Qualifying Direct Deposits
For purposes of this offer, qualifying direct deposits are electronic ACH deposits such as payroll, pension, or government benefits payments
Non-Qualifying Deposits
The following do not qualify as direct deposits for purposes of this offer: transfers from bank accounts, transfers from brokerage accounts, person-to-person transfers, mobile deposits, ATM deposits, internal transfers, and deposits made at a branch. Qualifying direct deposits must consist of funds originating from a source outside FNBO and FNBO Direct and may not be funded by transfers from any existing FNBO or FNBO Direct account.
Account Status and Bonus Payment
The qualifying checking account must remain open and in good standing for at least 120 days after account opening. For purposes of this offer, “good standing” means the account is open, not overdrawn or negative, and not otherwise in default under any agreement between customer and FNBO. If all applicable offer requirements are met, the bonus will be credited to the qualifying checking account within approximately 30 days after FNBO determines that all requirements have been satisfied. If the account is closed or is not in good standing before the bonus is credited, the bonus will not be paid.
Additional Terms
FNBO may verify eligibility and compliance with this offer and its requirements. This offer is subject to account approval. Minimum opening deposit may be required. Standard account fees, account terms, and other conditions apply and are subject to the applicable account agreement, fee schedule, and other disclosures provided at account opening.
Bonus payments may be reported to the Internal Revenue Service on Form 1099-INT or other applicable tax form. Customer is responsible for any federal, state, or local taxes arising from receipt of the bonus.
This offer may be modified, suspended, or discontinued at any time without notice, except where prohibited by applicable law. Offer is void where prohibited.
Member FDIC.
2 The payment of transactions into overdraft is discretionary and we reserve the right to not pay. Generally, we do not pay overdrafts if you are not making regular deposits, or if you have excessive overdrafts, or based on your account history and how you maintain your account. We may change your overdraft privileges due to poor account management.
We may pay overdrafts for checks and other transactions using your account number and for automatic bill payments (ACH and recurring debt transactions), and if you give us permission, we may authorize and pay overdrafts for ATM transactions and everyday non-recurring debt transactions (individual debt card purchases such as grocery store or one-time online purchases). Our expectation is you bring your account to a positive balance immediately (including payment of all bank fees and charges).
©2026 Forbes Media LLC. All rights reserved. Used under license. GoBankingRate (2025, Jan 2) Best checking accounts of 2025. https://www.gobankingrates.com
3 Payments and bank fees: an $82b balancing act, EY Parthenon, ey.com, 2024
