Learn about the latest First National Bank of Omaha promotions, bonuses, 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.
About First National Bank of Omaha
Being the largest bank in Nebraska, the First National Bank of Omaha or FNBO, operates over 120 locations. Established in 1857, FNBO has grown to become the 85th largest bank in the United States. To this day, the First National Bank of Omaha continues to aid multitudes of individuals in banking, investing and managing their finances.
I’ll review the First National Bank of Omaha Promotions below.
First National Bank of Omaha $500 Checking Bonus
For a limited time, First National Bank of Omaha is offering a $500 checking bonus.
- What you’ll get: $500 bonus
- Account Type: Checking
- Availability: CO, IA, IL, KS, NE, SD, TX, MO, and limited areas of WI and WY. (Bank Locator).
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown, sensitive
- Credit Card Funding: None
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: One
(Expires 05/31/2026)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($425 bonus) |
| Bank of America ($500 bonus offer) | U.S. Bank Smartly® Checking ($400 bonus) |
How to Earn Bonus
EARN THE BONUSFINE PRINT
- 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.
- 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.
First National Bank of Omaha $250 Business Checking Bonus
- What you’ll get: $250 bonus
- Account Type: Business Checking
- Availability: Offer valid only in FNBO branded branches in CO, IA, IL, KS, NE, SD, TX, and WY
- Direct Deposit Requirement: No (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown, sensitive
- Credit Card Funding: None
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: Not listed
(Expires 12/31/2026)
| U.S. Bank Business Checking ($400 or $1200 Bonus) | Chase Business Checking ($300 or $500 Bonus) |
| Axos Business Premium Savings ($600 Bonus) | Axos Bank Basic Business Checking ($200 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Bank of America Business Checking ($400 or $750 bonus offer) | |
How to Earn Bonus
EARN THE BONUSFINE PRINT
- 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.
- 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)
Earn a $100 Bonus when referring Family and Friends!
For a limited time, First National Bank of Omaha is offering a $50 bonus when referring a family member or a friend to open a new consumer checking account. Simply make qualifying direct deposits and after 60 days $50 with be accredited to both the existing and the referred customers.
- What you’ll get: $50 bonus
- Account Type: Checking
- Availability: IA, CO, KS, NE, IL, KS, SD
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| HSBC Premier Checking (Up to $5,000 Cash Bonus), | |
How to Earn Bonus
EARN THE BONUSFINE PRINT
- As an existing FNBO account holder:
- Fill out the referral form, including the contact information of the person you are referring
- Also, provide the requested account information to verify your existing account
- The referred family member or friend will receive an email with instructions on how to proceed with opening a new checking account
- 60 following the completion of qualifying direct deposits the existing account holder and referred individual will both receive a deposit of $25 each, directly to their accounts
- The referred family member or friend must submit their information and to open a new First National Bank of Omaha consumer checking account with qualifying direct deposits.
- Following the 60 days from the date the referred customer completes all of the bonus requirements, a $50 bonus will be directly deposited to the existing account and the new checking account.
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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Bottom Line
The First National Bank of Omaha consistently offers customers worthwhile bonuses. Whether if you need a new personal checking, personal savings, or business checking, you can earn extra cash while taking control of your financial future.
Be sure to check this page often to stay up-to-date on all the money saving bonuses and offers. In addition, your feedback is highly appreciated and allows us to enhance your experience, so be sure to leave a comment below!
While they have a generous bonus, First National Bank of Omaha doesn’t have great rates for CDs and Savings. You may want to check out our full list of Bank Rates and CD Rates.
Compare FNBO promotions with other bank offers from institutions like Chase Bank, Huntington Bank, HSBC, TD Bank, CIT Bank, Citi, Wells Fargo and Bank of America.
*Check back for updated First National Bank of Omaha promotions, bonuses and offers.
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