FNBO Direct

It all starts with a great interest rate!

Your FNBO Direct BillPay account has a X.XX % APY*, allowing you to effortlessly manage your finances and watch your money grow.

Save the stamp and start paying all your monthly bills online. Set up recurring payments and you'll never forget your monthly utility bill, your charitable gifts or even your neighborhood lawn service.

Pay Yourself First with an FNBO Direct Online BillPay Account today!

The FNBO Direct Visa® Check Card is a perfect choice for your everyday purchases. Doubling as your ATM card, with over 840,000 PLUS locations nationwide, qualifying balances will not be charged for the first 4 foreign ATM fees each statement period.¹

Need to split the check for lunch, throw in for the office party, or pay the babysitter? FNBO Direct now offers POPmoney™ -- a simple, convenient and secure way to send and receive money using any of your accounts and just a mobile phone number or email address.

Manage your everyday purchases with an Online BillPay Account today!

FNBO Direct (www.fnbodirect.com) is a division of First National Bank of Omaha offering a full suite of high-yield financial products including savings, checking, a rewards credit card and certificates of deposits through the online channel. This innovative bank encourages a Pay Yourself First discipline to maximize earned interest.

First National Bank of Omaha is a subsidiary of First National of Nebraska, the largest privately owned banking company in the United States. First National and its affiliates have $19 billion in managed assets and 6,000 employees. Primary banking offices are located in Nebraska, Colorado, Illinois, Iowa, Kansas, South Dakota and Texas. FNBO Direct expands the footprint with customers in all 50 states.

Open an FNBO Direct Account today!

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¹ If you qualify, we'll waive up to four occurrences of this fee in any month (on FNBO Direct Visa Check Cards only). You'll qualify if the daily principal balance of your FNBO Direct BillPay Account for the preceding month was $25,000 or more. An ATM is considered a 'foreign ATM' if it is not branded with the logo. If we own the foreign ATM: (1) we will not charge you a foreign ATM fee for using it (2) if a surcharge applies, it will be disclosed at the ATM (currently such 'owned' foreign ATM 'surcharges' do not exceed $10.00). If you use an ATM that is not operated by us, you may be charged a fee by the operator of the machine and/or by any network used (and you may be charged a fee for a balance inquiry even if you do not complete a transaction).

*FNBO Direct Online BillPay Account Annual Percentage Yield is accurate as of 05/28/2010 and is subject to change after that date. Rates may also change after the account is opened. Fees may reduce earnings. Minimum deposit to open an account is $1.00. Maximum principal deposit balance: $1,000,000. See the Disclosures for additional information and limitations.

FNBO Direct is a division of First National Bank of Omaha.