FNBO Direct 4+


    • 3.9 • 217 Ratings
    • Free



Free. Secure. Anywhere. Mobile Banking from FNBO Direct lets you easily view and manage your money right in the palm of your hand anytime, anywhere! Best of all, it’s free.

Mobile Banking is available to all customers; just download the app and log in with your Online Banking user name and password for a secure Mobile Banking experience.

- Quickly access your account with Face ID® or Touch ID®
- View account balances and transaction history
- Pay your bills and credit cards
- View scheduled and recent payments
- Transfer money between your FNBO Direct accounts
- Transfer money to other customers at this bank
- Deposit checks – Snap a photo of your checks and deposit them remotely
- Contact a customer service representative

At FNBO Direct your security is always our top priority.
- Account information is never stored on your phone
- Data transmissions are encrypted with the same secure technology as Online Banking

- Mobile Banking is free from FNBO Direct (but your mobile carrier’s message and data rates may apply)
- Download the app and log in with your Online Banking username and password

View our Security Statement at: https://www.fnbodirect.com/comp/popups/security-statement.fhtml

- Deposits are subject to verification and are not available for immediate withdrawal
- See the terms in the app for limits/availability and other restrictions

FNBO Direct is a division of First National Bank of Omaha, a subsidiary of First National of Nebraska, Inc.

What’s New

Version 4.68.5

- General enhancements and updates.
- Resolves an issue with mobile deposit experienced by some customers.

Ratings and Reviews

3.9 out of 5
217 Ratings

217 Ratings

CDizzie ,

Happy to see an app finally

It’s great we can now login to an app for our accounts. Overall pretty good. Not really a great UI but that is not a necessity, functionality is what’s important. So far the app does everything I need although an interface where you can easily view your account and routing number would be much appreciated.

smerguez ,

Lost access to my funds

The transfer money option no longer works in the FNBO Direct app after the introduction of Zelle for all transfers on the FNBO side (and yes my apps are up to date). You need a second Zelle account (with a new email and phone number) to send money between FNBO & FNBO-D accounts, despite the fact that they share a routing number, because they aren’t on the same app.

Without a transfer option and because FNBO-D is completely online (no debit card) my money is quite literally stuck in my account. I can handle glitches, not shady business practices or incredibly poor planning & oversight. Even if this gets resolved, it’s unacceptable to suddenly lose access to an account. Save your time & money and bank elsewhere.

Developer Response ,

We are sorry to hear that our services do not meet your expectations, and appreciate you taking the time to bring your concerns to our attention. You may rest assured that they have been shared appropriately. If you have any other questions or concerns, you can always call us at 877-370-3707, and our Specialists will be happy to help.

Claire Josephine ,

Can’t do many of the important features

But they are not upfront about this. Presumably, as a “fix” for their crappy limited technology, there is a link to the full website which also lacks needed options if accessed on a phone. No warning as well. I have to get a laptop or desktop to access certain fundamental things such as transferring monies between my own accounts at different institutions. For a company that is primarily online they should invest in better technology, have more information embedded in their app/ website and have more knowledgeable, kinder people on phone support. This bank behaves with little to no respect for my time or needs when it comes to managing my accounts. I regret choosing them.

Developer Response ,

Claire, we're truly sorry your experience was not to your satisfaction. We are striving to create the best mobile banking experience in the market and customers like yourself that are willing to give us feedback are invaluable for both our mobile app and our bank in general. 

App Privacy

The developer, FNNI, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

More By This Developer

Milli: Mobile Banking
Washington County Bank
Houghton State Bank
York State Bank

You Might Also Like

Card by FNBO
Revolve Finance
BPme Rewards Visa
Cobalt Mobile Banking