FNBO Direct Routing Number – Wire Transfer, Direct Deposit

What is a Routing Number?

A routing number directs funds to the proper bank during a transaction, it’s a way to identify check-processing endpoints. You should be able to see your nine-digit routing number on the lower-left corner of your checks.

Can banks have multiple routing numbers?

Yes, certain banks can have multiple routing numbers for geographic reasons. For example, banks like Wells Fargo and Citibank have different routing numbers for different states and for functionality.

But for FNBO Direct, you’ll only be using one routing number. Because FNBO Direct is an online bank, it only uses the routing number based on where it’s headquartered, which is in Omaha, Nebraska.

In comparison to FNBO that uses different routing numbers depending on where its customers live. You can find different FNBO numbers on the bank’s website.

How to find a Routing Number on a check?

The routing number will be printed along with the account and check numbers. You can find it at the bottom-left corner of the check before your account number.

What is the Routing Number for International Transfers?

If you are needing to receive a transfer from overseas, you’ll need to provide the sender with a SWIFT (Society for Worldwide Interbank Financial Telecommunication) code. SWIFT codes are routing numbers for international transactions between banks. They have eight to eleven digits with letters and numbers, unlike the routing number.

For example, if you work overseas and want to send money from your international account to a US, you’ll need a SWIFT code. Just call your bank or visit its website to find the SWIFT code for an international wire transfer.

FNBO Direct does not have a swift code for international transfers, customers can only execute domestic wires domestically.

FNBO does have a swift code: FNBOUS44. If you link your FNBO Direct account to an FNBO account that can receive international wires, you can circumvent that limitation.

Bottom Line

Routing numbers are nine-digit codes that enables banks to identify the location of your bank account. It’s important to know what your FNBO Direct routing number is for certain transactions.

You can check out the latest FNBO Direct Promotions for their online savings or online checking account!  If this is not your bank or are banking with another institution, you can check out our bank guide master list to help you with your banking questions or browse through our archives.

CIT Bank Promotions July 2025: Up to 4.00% Platinum Savings, Savings Connect, CD Rates, $750 Bonus

Chase Private Client Checking $3000 Bonus – Ends 10/15/25

Chase Total Checking Account $300 Bonus – Ends 10/15/25

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