Take a look at our updated list of First National Bank of Omaha / FNBO bonuses, promotions, and offers here!
Update 4/13/26:
- There’s currently a $500 checking bonus valid through 5/31/26.
- The $250 business checking bonus has been extended through 12/31/26.
FNBO Bonuses Review
First National Bank of Omaha is headquartered in Omaha, Nebraska and was founded 1857. Since then they have grown to 120 locations and they boast an A+ health rating.
I’ll go over all FNBO bonuses & offers below.
FNBO $500 Checking Bonus
First National Bank is offering a $500 bonus when you open a new qualifying checking account.
- What you’ll get: $500 Bonus
- Eligible account: Checking account
- Where it’s available: CO, IA, IL, KS, NE, SD, TX, MO, WI, WY (Bank/ATM Locator)
- Credit Inquiry: Soft Pull
- Direct Deposit Requirement: Yes
- Monthly Fee: $0
- How to earn it:
- Open a new checking account. 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.
(Expires 05/31/2026)
| Bank of America Checking ($500 Bonus Offer) | KeyBank Checking ($300 bonus) |
| SoFi Checking & Savings Account ($425 bonus) | U.S. Bank Smartly® Checking ($400 Cash Bonus) |
Fine Print
- 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.
- Bonus Amounts. Bonus eligibility is based on the total amount of qualifying direct deposits received within 90 days after account opening, as follows:
- $300 Bonus: Total qualifying direct deposits of at least $1,500, with at least one (1) qualifying direct deposit received in each of three (3) consecutive 30-day periods beginning on the day of account opening.
- $500 Bonus: Total qualifying direct deposits of at least $3,000, with at least one (1) qualifying direct deposit received in each of three (3) consecutive 30-day periods beginning on the day of account opening.
- 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.
FNBO $250 Business Checking Bonus
- What you’ll get: $250 Bonus
- Eligible account: Business Checking
- Where it’s available: Offer valid only in FNBO branded branches in CO, IA, IL, KS, NE, SD, TX, and WY
- Credit Inquiry: Soft Pull
- Direct Deposit Requirement: No
- Monthly Fee: $0
- How to earn it:
- Stop by one of our local FNBO branches and open a new Free Business Checking account. Remember to tell the banker promo code 250BIZ to get your bonus.
- Deposit $1,000 in deposits OR complete 10 debit card transactions in 31 days from account opening.
- Your bonus will be deposited within 31 days.
(Expires 12/31/2026)
| U.S. Bank Business Checking ($400 or $1200 Bonus) | Chase Business Checking ($300 or $500 Bonus) |
| Axos Bank Basic Business Checking ($200 Bonus) | Axos Business Premium Savings ($600 Bonus) |
| Huntington Unlimited Plus Business Checking ($1,000 Bonus) | Huntington Unlimited Business Checking ($400 Bonus) |
| Bank of America Business Checking ($400 or $750 bonus offer) | |
Fine Print
- 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 Free Business checking account must be opened on or before 12/31/2026.
- Eligibility. This offer is available for new Free Business Checking customers. A new Free Business Checking customer is defined as an applicant who does not have an open Free Business Checking, Premium Checking or Analyzed Checking account at the time account opening. Limit one (1) bonus per customer which is identified by business and Tax ID. For joint accounts, only one (1) bonus will be paid per qualifying account. FNBO reserves the right to determine what constitutes a new Free Business Checking customer.
- How to Earn the Bonus
- To earn the bonus, customer must: (1) open a new eligible Free Business checking account with FNBO on or before 12/31/2026; (2) provide promo code 250BIZ at account opening, whether online or in branch; (3) receive qualifying deposit(s) OR complete 10 or more qualifying debit card purchases that post and clear the account within 31 calendar days beginning on the day of account opening.
- Bonus Amounts. Bonus eligibility is based on the total amount of qualifying deposit(s) received OR completed 10 or more qualifying debit card purchases that post and clear the account within 31 calendar days of the account opening, as follows:
- $250 Bonus:
- Qualifying deposit(s) totaling at least $1,000 must post to your Free Business Checking account within 31 calendar days of the account opening date. OR
- Complete 10 or more qualifying debit card purchases that post and clear the account within 31 calendar days of account opening date. Qualifying debit card purchases are made at point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments within 31 calendar days of the account being opened.
Qualifying Deposits - For purposes of this offer, qualifying deposits are electronic ACH deposits, cash or check deposits in a branch.
- Non-Qualifying Deposits. The following do not qualify as deposits for purposes of this offer: transfers from bank accounts, transfers from brokerage accounts, person-to-person transfers, and internal transfers. Qualifying 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. 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 Free Business checking account within 31 calendar 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.
FNBO $50 Referral Bonus (Expired)
First National Bank is offering a $50 bonus when you open a new qualifying checking account.
- What you’ll get: $50 Bonus
- Eligible account: Consumer Checking Account
- Where it’s available: CO, IA, IL, KS, NE, SD, TX, MO, WI, WY
- Credit Inquiry: Soft Pull
- Direct Deposit Requirement: Yes
- Monthly Fee: $0
- How to earn it:
- Complete the referral form.
- Provide the contact information and email address for the friend/family member you’re referring.
- Your friend/family member receives an email with the referral invitation, instructions, offer requirements and a link to the referral site.
- Your friend/family member submits their information and opens a new First National Bank of Omaha consumer checking account with qualifying direct deposits.
(No Expiration Date Listed)
| KeyBank Checking ($300 bonus) | HSBC Premier Checking (Up to $5,000 Cash Bonus), |
Fine Print
- You will earn $50 for yourself and $50 for your referral
- $50 bonus will be distributed as a direct deposit bonus and will be credited to your account within 60 days from the date the referred customer completes all of the bonus requirements.
- FDIC Insured up to $250,000
How To Waive Monthly Fees
- Free Checking: None
- Savings: None
- Money Market: None
- Free Business Checking: None
- Business Savings: None
- Business Money Market: None
- Access Debit Checking: $4 monthly fee
- Premier Checking: $15 monthly fee. Maintain a $15,000 minimum average daily balance to avoid the monthly account fee
- Premium Business Checking: $10 monthly fee. Maintain a average daily balance of $5,000 in checking or $15,000 in all related business deposit accounts to avoid the monthly account fee
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Conclusion
This promotion is definitely worth a look if you are interested in FNBO. However, with it only being available in one state, the offer would only apply to a handful of readers.
First National Bank has decent bonuses, but not so great CD and Savings rates, so check out our best rates Savings, Money Market, and CD accounts.
If you don’t live in the available areas, be sure to check out our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, TD Bank, Huntington Bank, HSBC Bank, Wells Fargo, Bank of America, CIT Bank, CitiBank and many more.
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Check back often for more FNBO Bonuses, Promotions, or Offers!
