Note: This offer was sent out via e-mail and landing page states ‘Thanks for being part of the FNBO family!’ I don’t see any targeted terms in the fine print but YMMV.
Offer at a glance
- Maximum bonus amount: $500
- Availability: CO, KS, NE, IA, SD, IL, TX, MO, WI & WY
- Direct deposit required: Yes, $1,500-$3,000
- Additional requirements:
- Hard/soft pull: Soft pull
- ChexSystems: Unknown, sensitive
- Credit card funding: None
- Monthly fees: No
- Early account termination fee: None
- Household limit: No
- Expiration date: 5/31/2026
The Offer
Direct link to offer
- FNBO is offering a bonus of $500 when you open a new FNBO checking account with promo code EARN500. Bonus is tiered depending on direct deposits received within 90 days of account opening:
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Earn $300 with total qualifying direct deposits of at least $1,500
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Earn $500 with total qualifying direct deposits of at least $3,000.
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The Fine Print
- 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.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
FNBO free checking has no monthly fees to worry about.
Early Account Termination Fee
According to the fee schedule there is no early account termination fee.
Our Verdict
Bonus is easy to meet, should be open to everybody based on the terms. Wouldn’t be surprised if this gets pulled early, although they have had personal bonuses of up to $500 before (required a savings portion). Will be added to the best bank account bonuses.
Hat tip to reader Pickle Rick & Luke
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
