First National Bank Omaha (FNBO) is a subsidiary of First National of Nebraska, which is a multi-state holding company situated in the heart of downtown Omaha. First National Bank has a banking heritage dating back 150 years. It has set high standards of customer service by providing financial products of quality. This bank came into being in 1857, as a small local bank that only served Omaha and a few other surrounding communities. Today, FNBO Direct is the largest private bank in the United States and has more than 6 million satisfied customers all over the country. Building savings is a lot different than just saving and FNBO Direct understands the difference and makes this possible. Diversification is the key to adding to the savings. Their products include an Online Savings Account, Online Billpay Account, Certificates of Deposit, and an ExtraEarningsSM Visa Card.
All FNBO Direct Bank’s accounts can be accessed any time of the day or night all through the year. Making deposits, transferring funds, paying bills and increasing the savings is tension free and can be done whenever and from wherever one wishes to with FNBO Direct. All deposits at FNBO Direct are FDIC insured up to the maximum extent allowed by law. This takes care of the security of the money deposited, which is usually the customer’s main concern. FNBO Direct’s Online Savings Account offers competitive rates and customers see money adding up faster. There are absolutely no strings attached, such as monthly fees and minimum balance requirement. This account can be opened with as less as $1.
Their Online BillPay Account is only available for the Online Savings Account holders. It rewards the customer for paying their bills. It sounds odd but that’s how it works. Transfers are instantaneous between an FNBO Direct Online Savings Account and FNBO Direct BillPay Account. FNBO Direct offers Certificates of Deposit and these are also available for the savings account holders only. These certificates of deposit have one of the best CD rates in the market and come with a locked-in interest rate, which means the interest rate does not change. There are several benefits with these CDs, apart from the best CD rates. They are automatically renewed at the end of the term and there is also an option for all the funds to be withdrawn at the end of the term, at maturity. These CDs can help fund the other FNBO accounts such as the FNBO Online Savings Account or current bank account.
Where credit cards are concerned, First National was one of the first in the country to issue a credit card way back in the early 1950s. This bank strives to change the way a credit card is used by introducing the most competitive cards in to the market. They also have cards that can be designed by the customers to suit their needs. Earning the distinction of being one of the top ten credit card issuers in the country is no small feat.
Using a credit card for making purchases is a common thing, but earning for making purchases with the credit card is something to talk about. That is exactly what the ExtraEarningsSM Visa Card does for the customer. Cash back of 2% for every dollar spent during the first 12 billing cycles, from the time of account opening, is offered through this card. Customers can redeem this cash back by requesting for a deposit of $25 for every 1250 dollars spent on purchases. This amount is directly deposited into the Direct Online Savings Account. This is a great feature and although other banks too have introduced this cash back offer, the percentage varies a great deal.
First National Bank provides financial services as diverse as can be found in today’s extremely competitive market. This bank believes that their growth and success are due to the fact that they really try and get to know their customers and their specific needs. Not every product is suited for every customer. FNBO is against the ‘one-size fits all’ approach and ensure they satisfy a diverse group of customers. For customers that are looking for something other than what the market is providing, FNBO may just have the right fit.
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