First National Bank of Omaha (FNBO) (parent: First National of Nebraska, Inc.) is one of the largest privately held banks in the United States, with approximately $35 billion in total assets and approximately 133 branches across 9 states in the Plains, Midwest, and Mountain West. FNBO is headquartered at 1601 Dodge Street, Omaha, Nebraska, and was founded in 1857 as the oldest bank in Nebraska, making it one of the oldest continuously operating banks in the United States. The bank’s 9-state footprint covers Nebraska (home state, 48 locations), Iowa, Kansas, Colorado, Illinois, South Dakota, Texas, Missouri, and Wyoming. FNBO is also one of the largest US private-label and co-branded credit card issuers through its FNBO Card Services business, giving it a meaningfully larger national card-issuing footprint than its regional branch network would suggest.
Map of First National Bank of Omaha locations near me
Use the FNBO branch locator below to find the nearest First National Bank of Omaha in your location, with branch hours, services, and contact details. The map covers all 133 FNBO branches across the 9-state Plains, Midwest, and Mountain West footprint. You can click ‘Use my location‘ to view branches and ATMs around you on the map.
First National Bank of Omaha at a glance
- Official name: First National Bank of Omaha (commonly FNBO; a Nebraska state-chartered bank, Member FDIC)
- Parent company: First National of Nebraska, Inc. (privately held)
- Headquarters: 1601 Dodge Street, Omaha, Nebraska 68197
- Founded: 1857 (oldest bank in Nebraska, one of the oldest continuously operating banks in the United States)
- Branches: approximately 133 across 9 US states (Nebraska, Iowa, Kansas, Colorado, Illinois, South Dakota, Texas, Missouri, Wyoming)
- Total assets: approximately $35 billion
- Distinctive business: FNBO Card Services is one of the largest US private-label and co-branded credit card issuers
- General customer service: 1-800-642-0014
- Credit card customer service: 1-888-530-3626
- Business banking and lending customer service: 1-800-853-9586
- Mortgage customer service: 1-877-217-9714
- Treasury management: 1-866-461-1467
- Primary routing number: 104000016 (uniform across all FNBO customers)
- Largest state by branches: Nebraska (48 of 133 locations)
- Ownership: the bank holding company First National of Nebraska, Inc. is privately held, predominantly by the Lauritzen family which has led FNBO for multiple generations
- FDIC insurance: yes, deposits insured up to $250,000 per depositor, per insured bank, per account ownership category
First National Bank of Omaha branch near me
FNBO operates approximately 133 retail branches across 9 US states in the Plains, Midwest, and Mountain West. Use the official FNBO branch locator at fnbo.com to find a branch with addresses, phone numbers, hours, services, and a map.
FNBO in Nebraska (Omaha HQ state, 48 locations)
Nebraska is FNBO’s home and largest market, with the corporate headquarters in Omaha and 48 branches across the state, the most of any state in the FNBO footprint. Major Nebraska markets:
- Omaha metro: Downtown Omaha (the corporate HQ at 1601 Dodge Street), Midtown, West Omaha, Aksarben, Old Market, Bellevue, Papillion, La Vista, Elkhorn
- Lincoln (state capital and University of Nebraska): multiple locations across the city
- Grand Island
- Kearney
- North Platte
- Norfolk
- Scottsbluff and the Panhandle
- Smaller Nebraska community markets across the state
FNBO in Iowa
Iowa is one of FNBO’s strongest markets, with branches across the eastern Nebraska border into Iowa and major Iowa metros. Major Iowa markets include Council Bluffs (directly across the Missouri River from Omaha), Sioux City, Des Moines metro (Des Moines, West Des Moines, Ankeny, Urbandale), Cedar Rapids, Iowa City, Waterloo, and Dubuque.
FNBO in Colorado
Colorado is a major FNBO market, particularly across the Front Range. Major Colorado markets include Denver metro (Downtown Denver, Cherry Creek, Aurora, Lakewood, Englewood, Centennial, Highlands Ranch), Colorado Springs, Fort Collins, Boulder, Greeley, and Loveland.
FNBO in Kansas
Kansas FNBO locations span the Kansas City Kansas metro (Overland Park, Olathe, Leawood, Lenexa, Shawnee), Wichita, Topeka, Lawrence, Manhattan, and smaller Kansas community markets.
FNBO in Illinois
Illinois FNBO branches are concentrated in the Chicago metro, with locations in downtown Chicago, the Loop, the Near North Side, the West Loop, Lincoln Park, plus suburban locations in Naperville, Schaumburg, Oak Brook, and other Chicago suburbs.
Other FNBO states (alphabetical)
- Missouri: Kansas City Missouri metro and other Missouri community markets
- South Dakota: Sioux Falls, Rapid City, and smaller South Dakota community markets
- Texas: Dallas-Fort Worth metro and other Texas markets
- Wyoming: Cheyenne, Casper, and smaller Wyoming community markets
For the official state list with branch addresses, see fnbo.com/branch-locations/states.
First National Bank of Omaha ATM near me
Use the FNBO ATM finder to find the closest FNBO ATM machine around you, including drive-up and 24-hour ATMs at branches. FNBO operates ATMs at all 133 branches plus access to a large surcharge-free network across the 9-state footprint.
- FNBO branded ATMs: FNBO checking and savings customers can use any FNBO ATM fee-free for withdrawals, deposits, and balance inquiries.
- MoneyPass surcharge-free network: FNBO consumer checking customers also get access to the MoneyPass surcharge-free ATM network, providing surcharge-free withdrawals at tens of thousands of additional ATMs nationwide.
- Out-of-network ATMs: using a non-FNBO, non-MoneyPass ATM may incur a fee from FNBO plus the ATM operator’s surcharge. Some premium account tiers refund a limited number of out-of-network ATM fees per statement cycle.
- Drive-up ATMs: many FNBO branches across Nebraska, Iowa, Colorado, and the Plains have drive-up ATMs accessible 24/7.
- Deposit ATMs: modern FNBO branch ATMs accept cash and check deposits without an envelope, with funds typically available the next business day.
First National Bank of Omaha distinctive features
One of the largest privately held US banks
FNBO is one of the largest privately held banks in the United States. Unlike most US regional banks of comparable size (which are publicly traded), the FNBO parent company First National of Nebraska, Inc. is privately held, predominantly by the Lauritzen family, which has led FNBO across multiple generations. The private ownership gives FNBO long-term flexibility on growth and capital decisions without the quarterly earnings pressure of public-bank peers.
FNBO Card Services: top US private label credit card issuer
FNBO operates FNBO Card Services, one of the largest US private-label and co-branded credit card issuers. FNBO issues co-branded cards for major US partners (including airline, hotel, sports, retail, and association partners) and private-label cards for major US retailers. The card business has a national customer base far larger than FNBO’s 9-state branch network, with co-branded cardholders in all 50 states.
1857 founding: oldest bank in Nebraska
FNBO was founded in 1857 as Kountze Brothers, a frontier banking firm in pre-statehood Nebraska Territory. The bank predates Nebraska statehood (1867) and is the oldest continuously operating bank in Nebraska, and one of the oldest continuously operating banks in the United States.
FNBO Direct: online-only high-yield savings
FNBO Direct is FNBO’s online-only banking brand, offering high-yield savings accounts and CDs to customers nationwide regardless of whether they live within the 9-state branch footprint. FNBO Direct is one of the earliest online-only banking brands launched by a US community/regional bank.
First National Bank of Omaha hours, Saturday hours, and open now
FNBO branch hours vary by location, but most branches follow this typical schedule:
| Day | Typical hours |
|---|---|
| Monday to Friday | 9:00 AM to 5:00 PM lobby; drive-up often opens earlier and closes later at many branches |
| Saturday | 9:00 AM to 12:00 PM at many FNBO branches; some closed Saturday |
| Sunday | Closed at all branches |
FNBO branches are closed on the standard 11 US federal holidays. ATMs at all branches are available 24/7 even when the branch is closed. FNBO customer service lines handle routine support during business hours; for exact hours at your specific branch, use the official FNBO locator at fnbo.com.
Federal holidays:
- New Year’s Day (January 1)
- Martin Luther King Jr. Day (third Monday of January)
- Presidents Day (third Monday of February)
- Memorial Day (last Monday of May)
- Juneteenth National Independence Day (June 19)
- Independence Day (July 4)
- Labor Day (first Monday of September)
- Columbus Day (second Monday of October)
- Veterans Day (November 11)
- Thanksgiving Day (fourth Thursday of November)
- Christmas Day (December 25)
Is FNBO open now near me? Most FNBO branches keep weekday business hours (9 AM to 5 PM local time) plus Saturday morning hours at many locations. ATMs at all branches are available 24/7. The general customer service line at 1-800-642-0014 handles routine support during business hours; FNBO Online Banking and the FNBO Mobile app handle routine banking 24/7.
Contact First National Bank of Omaha: customer service phone numbers
- FNBO General customer service: 1-800-642-0014
- FNBO Credit card customer service: 1-888-530-3626
- FNBO Business banking and lending customer service: 1-800-853-9586
- FNBO Mortgage customer service: 1-877-217-9714
- FNBO Treasury management: 1-866-461-1467
- Online and Mobile Banking technical support: 1-800-642-0014 (same as general customer service)
- Visit a branch: use the locator at fnbo.com to find your nearest branch and its direct phone number
About First National Bank of Omaha: 1857 Kountze Brothers founding to modern 9-state regional
Origin: 1857 Kountze Brothers in Nebraska Territory
FNBO traces back to 1857, when the Kountze brothers founded a banking firm in pre-statehood Nebraska Territory. The firm was renamed First National Bank of Omaha following Nebraska statehood in 1867 and the National Banking Act of the 1860s. The bank served frontier-era Omaha as a stop on the westward expansion routes and grew with the city.
Lauritzen family leadership
FNBO has been led by the Lauritzen family across multiple generations. John Lauritzen led the bank in the mid-20th century, followed by his son Bruce Lauritzen and subsequent generations. The Lauritzen family-led ownership through First National of Nebraska, Inc. has kept the bank privately held and Omaha-headquartered through decades when many regional bank peers were acquired by larger national banks.
20th-century expansion across the Plains
Through the 20th century, FNBO expanded across Nebraska and into neighboring Iowa, South Dakota, and Kansas through a combination of de novo branch growth and acquisitions of smaller Plains community banks. By the late 20th century, FNBO had become the largest privately held bank in Nebraska and one of the largest in the Plains region.
FNBO Card Services growth
Beginning in the late 1980s and accelerating through the 1990s and 2000s, FNBO built its co-branded and private-label credit card business (now FNBO Card Services) into one of the largest US card issuers. The card business gave FNBO a national footprint that its 9-state branch network alone would not.
21st-century Mountain West and Texas expansion
In the 21st century, FNBO expanded into Colorado, Wyoming, Illinois, Texas, and Missouri through acquisitions and de novo growth, bringing the footprint to today’s 9-state Plains, Midwest, and Mountain West network.
FNBO Direct online bank
FNBO launched FNBO Direct as an online-only high-yield savings brand, allowing the bank to serve depositors nationwide beyond the 9-state branch footprint. FNBO Direct was one of the earliest online-only banking brands launched by a US community/regional bank.
FNBO today
FNBO is now a $35 billion regional bank with 133 branches across 9 Plains, Midwest, and Mountain West states plus a national credit card business through FNBO Card Services and a national online savings business through FNBO Direct. The bank serves both consumer (checking, savings, mortgages, credit cards) and commercial (middle-market commercial banking, treasury management, small business banking, agricultural lending, commercial real estate) customers across its footprint.
Frequently asked questions
Where is the Nearest FNBO Branch Near Me?
Use the official First National Bank of Omaha locator at fnbo.com to find your nearest branch by ZIP code, city, or state. FNBO operates approximately 133 branches across 9 US states (Nebraska, Iowa, Kansas, Colorado, Illinois, South Dakota, Texas, Missouri, Wyoming), with the densest concentration in Nebraska (the home state and Omaha HQ, 48 locations), followed by Colorado (the Front Range), Iowa, and the Chicago metro of Illinois.
How to Find the Closest FNBO ATM Around Your Location
Use the FNBO ATM finder at fnbo.com to find the closest First National Bank of Omaha ATM machine around you. FNBO operates ATMs at all 133 branches across the 9-state footprint. FNBO consumer checking customers also get access to the MoneyPass surcharge-free ATM network, providing surcharge-free withdrawals at tens of thousands of additional ATMs nationwide.
Use the Map to See Locations of FNBO Around You
The map on this page shows First National Bank of Omaha branches and ATMs near your location. FNBO has the densest branch concentrations in Omaha (the HQ), Lincoln, and across Nebraska (48 of 133 total locations), the Denver Front Range in Colorado, the Council Bluffs / Des Moines metros in Iowa, the Kansas City Kansas metro, and the Chicago metro.
What is the First National Bank of Omaha customer service phone number?
The main FNBO general customer service number is 1-800-642-0014. For credit card customer service call 1-888-530-3626. For business banking and lending call 1-800-853-9586. For mortgage servicing call 1-877-217-9714. For treasury management call 1-866-461-1467.
What is the FNBO routing number?
The primary First National Bank of Omaha routing number is 104000016, used uniformly across all FNBO customers regardless of state. To find your specific routing number, check the bottom of your checks (the first 9 digits), log in to FNBO Online Banking, look in the FNBO mobile app under account details, or call customer service at 1-800-642-0014. Some customers may have legacy routing numbers from prior acquired banks that remain acceptable for use.
Is FNBO FDIC insured?
Yes. First National Bank of Omaha is FDIC insured. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Where is FNBO headquartered?
First National Bank of Omaha is headquartered at 1601 Dodge Street, Omaha, Nebraska 68197, and has been Omaha-headquartered since its 1857 founding as Kountze Brothers.
How many FNBO locations are there?
FNBO operates approximately 133 branches across 9 US states with approximately $35 billion in total assets. The largest concentration is in Nebraska (the home state, 48 locations), followed by Colorado, Iowa, Illinois, Kansas, and the other 4 footprint states.
Is FNBO a private bank or public bank?
FNBO is one of the largest privately held banks in the United States. The bank holding company First National of Nebraska, Inc. is privately held, predominantly by the Lauritzen family which has led FNBO across multiple generations. Unlike most US regional banks of comparable size, FNBO does not trade on a public stock exchange.
What is FNBO Card Services?
FNBO Card Services is the credit card business of First National Bank of Omaha, one of the largest US private-label and co-branded credit card issuers. FNBO issues co-branded cards for major US airline, hotel, sports, retail, and association partners, and private-label cards for major US retailers. FNBO Card Services has a national cardholder base in all 50 states, far larger than the FNBO branch network.
What is FNBO Direct?
FNBO Direct is the online-only banking brand of First National Bank of Omaha, offering high-yield savings accounts and certificates of deposit (CDs) to customers nationwide regardless of whether they live within FNBO’s 9-state branch footprint. FNBO Direct accounts share FNBO’s FDIC insurance and customer service infrastructure.
Are FNBO branches open on Saturday?
Yes, at many branches. Most FNBO branches in Omaha, Lincoln, Des Moines, Denver, and other major markets have Saturday hours, typically 9:00 AM to 12:00 PM. Some branches in smaller markets are closed Saturday. Confirm Saturday hours with the specific branch using the locator at fnbo.com.
Are FNBO branches open on Sunday?
No. FNBO branches are closed on Sundays at all locations. ATMs at all branches are available 24/7. See our Banks Open on Sunday Near Me page for the list of banks with Sunday hours.
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